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.
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.