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
SEP-IRA
SEP-IRA — self-employed, up to 25% of compensation
Annual limit: $69,000
Your contributions
Typical: 5-8%
VerifiedAdvisorsHub · SEP-IRA Projector
Your SEP-IRA Projection
Projection
At end of contributions
$1,209,652
Year 30
After-tax spendable
$907,239
After 25% tax
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the SEP-IRA
Self-employed retirement vehicle with high contribution room — up to 25% of compensation.
At a glance
Best for
- Self-employed individuals with no employees
- Side-business owners looking for additional tax-sheltered room
- High-income consultants / independent professionals
Watch out for
- If you have eligible employees, you must contribute the same % for each of them
- Contribution deadline is the business tax filing date (with extensions)
- No catch-up contributions for age 50+
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.