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Investment Account Projector

Model any registered or tax-advantaged account in Canada or the United States — accumulation, preservation, and distribution in one projection.

Account type

Canada

United States

529 Plan

Education Savings Plan — tax-free growth for education

Your contributions

Typical: 5-8%

VerifiedAdvisorsHub · 529 Plan Projector

Your 529 Plan Projection

Projection

At end of contributions

$1,209,652

Year 30

After-tax spendable

$1,209,652

Tax-free

Balance over time

Accumulation
Preservation
Distribution
Your contributions$370,000
Investment growth+$839,652
Peak balance$1,513,526
Total tax paid over lifetime$0
Lifetime net withdrawals$1,500,000

A verified advisor can optimize your contribution strategy and tax treatment.

About the 529 Plan

🇺🇸USA

Tax-free growth for education — plus a newer $35k Roth IRA rollover option.

At a glance

State lifetime limitsTypically $300,000–$550,000 per beneficiary
Gift tax threshold$18,000/donor/year ($90k superfunding)
Qualified K-12 tuitionUp to $10,000/year

Best for

  • College or qualifying private K-12 tuition savings
  • Grandparent gifting with tax-efficiency
  • In-state plans where the state offers a contribution deduction

Watch out for

  • Non-qualified withdrawals: 10% penalty plus tax on earnings
  • State plan fees and tax treatment vary widely — always compare
  • Federal aid calculations may consider 529 balances

Learn more

RESP (Canada) vs. 529 (USA): How Education Savings Actually Compare

6 min read

This is educational, not financial advice. An advisor can apply it to your specific situation.

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About this tool

This calculator runs a three-phase simulation: accumulation (working years with contributions and growth), preservation (wind-down near retirement with a conservative return), and distribution (retirement withdrawals).

Account-specific features are included automatically: employer match for 401(k) plans, CESG grants for RESP, CDSG grants for RDSP, tax-free growth for TFSA/Roth accounts, tax-deferred growth for RRSP/traditional accounts, and capital-gains treatment for brokerage accounts.

Projections assume constant returns and don't model sequence-of-return risk, inflation (unless toggled), or tax-law changes. A licensed advisor can run stochastic simulations and build a comprehensive retirement plan.