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
Traditional IRA
Traditional IRA — pre-tax, tax-deferred growth
Annual limit: $7,000
Your contributions
Exceeds annual limit of $7,000
Typical: 5-8%
VerifiedAdvisorsHub · Traditional IRA Projector
Your Traditional IRA Projection
Projection
At end of contributions
$737,348
Year 30
After-tax spendable
$553,011
After 25% tax
Balance over time
A verified advisor can optimize your contribution strategy and tax treatment.
About the Traditional IRA
Pre-tax contribution (if income-eligible), tax-deferred growth, ordinary tax on withdrawal.
At a glance
Best for
- Self-employed without a workplace retirement plan
- High earners executing a backdoor Roth strategy
- Receiving 401(k) rollovers after leaving an employer
Watch out for
- If covered by a workplace plan, deduction phases out quickly at higher incomes
- Early withdrawal 10% penalty plus income tax (narrow exceptions exist)
- Pro-rata rule applies to backdoor Roth if you hold pre-tax balances elsewhere
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.