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
FHSA
First Home Savings Account
Annual limit: $8,000 · Lifetime: $40,000
Your contributions
Exceeds annual limit of $8,000
Typical: 5-8%
VerifiedAdvisorsHub · FHSA Projector
Your FHSA Projection
Projection
At end of contributions
$270,782
Year 30
After-tax spendable
$270,782
Tax-free
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the FHSA
RRSP-style deduction + TFSA-style tax-free withdrawal — for first-time home buyers.
At a glance
Best for
- First-time home buyers age 18+ with Canadian residency
- Anyone likely to buy within 15 years
- Couples — each partner has their own $40k limit
Watch out for
- If you don't buy, funds roll to RRSP (eventual tax) or are withdrawn taxable
- Lifetime $40k is strict — no catch-up for skipped years beyond one-year carry-forward
- Only qualifying first-home purchases trigger the tax-free withdrawal
This is educational, not financial advice. An advisor can apply it to your specific situation.
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.