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 IRA
Roth IRA — post-tax, tax-free growth
Annual limit: $7,000
Your contributions
Exceeds annual limit of $7,000
Typical: 5-8%
VerifiedAdvisorsHub · Roth IRA Projector
Your Roth IRA Projection
Projection
At end of contributions
$737,348
Year 30
After-tax spendable
$737,348
Tax-free
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the Roth IRA
Post-tax contribution, tax-free growth, tax-free qualified withdrawal, no RMDs.
At a glance
Best for
- Younger savers with long compounding horizons
- Lower current tax bracket than expected retirement bracket
- Estate planning — heirs inherit tax-free
Watch out for
- Direct contributions phase out at higher incomes — use the backdoor strategy
- 5-year seasoning clock on earnings withdrawals (separate from contribution withdrawals)
- No RMDs during your lifetime, but inherited Roth has beneficiary rules
Learn more
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.