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
TFSA
Tax-Free Savings Account
Annual limit: $7,000
Your contributions
Exceeds annual limit of $7,000
Typical: 5-8%
VerifiedAdvisorsHub · TFSA Projector
Your TFSA 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 TFSA
No deduction going in; tax-free growth and tax-free withdrawals, forever.
At a glance
Best for
- Lower current tax bracket than expected retirement bracket
- Avoiding OAS clawback in retirement
- Flexible mid-life savings (down payment, sabbatical, emergency)
Watch out for
- No deduction — contributions are post-tax
- Day-trading frequency inside a TFSA can trigger CRA business-income reassessment
- Over-contribution penalty of 1%/month
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.