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
Non-Registered
Non-Registered Investment Account
Your contributions
Typical: 5-8%
VerifiedAdvisorsHub · Non-Registered Projector
Your Non-Registered Projection
Projection
At end of contributions
$1,082,536
Year 30
After-tax spendable
$975,655
After capital gains
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About Non-Registered Accounts
No limits, no shelter — flexible but subject to annual tax drag on income and gains.
At a glance
Best for
- Investing after all registered accounts (RRSP, TFSA, FHSA) are maxed
- Flexible access before age 71 with no forced withdrawals
- Canadian eligible dividend strategies in retirement
Watch out for
- Interest income is taxed at your full marginal rate — worst tax treatment
- Attribution rules apply when gifting to a spouse
- Foreign dividends (US stocks) taxed as interest — less favourable than Canadian dividends
Learn more
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.