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
Roth 401(k)
Roth 401(k) — post-tax, tax-free growth
Annual limit: $23,000
Your contributions
Typical: 5-8%
Employer match
e.g. 50 = 50% match
e.g. 6 = first 6%
VerifiedAdvisorsHub · Roth 401(k) Projector
Your Roth 401(k) Projection
Projection
At end of contributions
$1,436,358
Year 30
After-tax spendable
$1,436,358
Tax-free
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the Roth 401(k)
Post-tax payroll contribution, tax-free growth, tax-free qualified withdrawal.
At a glance
Best for
- Lower current bracket than expected retirement bracket
- High earners above the Roth IRA phase-out who still want Roth exposure
- Tax diversification across retirement buckets
Watch out for
- Traditional Roth 401(k)s still have RMDs — rollover to Roth IRA in retirement to avoid
- 5-year seasoning applies separately to each plan
- Employer match typically lands in the Traditional side of the plan (taxed on withdrawal)
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.