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.
Try another calculator
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.