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
SIMPLE IRA
SIMPLE IRA — small business, employer match up to 3%
Annual limit: $16,000
Your contributions
Typical: 5-8%
Employer match
e.g. 50 = 50% match
e.g. 6 = first 6%
VerifiedAdvisorsHub · SIMPLE IRA Projector
Your SIMPLE IRA Projection
Projection
At end of contributions
$1,436,358
Year 30
After-tax spendable
$1,077,268
After 25% tax
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the SIMPLE IRA
Small-business retirement plan with mandatory employer match and simpler administration than 401(k).
At a glance
Best for
- Small businesses (< 100 employees) wanting simpler administration than 401(k)
- Businesses where a dollar-for-dollar 3% match is sustainable
Watch out for
- 25% early withdrawal penalty in the first 2 years (vs 10% normal)
- 2-year lockout on rollovers to other retirement accounts
- Employer contributions are mandatory — budget carefully
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.