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🇨🇦 Canadian growth planner

Compound Growth Calculator

Compare deterministic return scenarios for Canadian TFSA, RRSP, and taxable portfolios, with contribution timing and daily contribution schedules. Results are illustrations, not forecasts.

Investment Parameters (CAD)

$
$
%
%
Optional fees, inflation and savings goals

Fees reduce projected returns. Inflation is used only to show an estimated value in today’s dollars. This account-neutral tool does not calculate taxes.

Expected Balance
$0
After 15 years
Total Invested
$0
Starting balance + deposits
Net Growth
$0
After estimated fees
Today’s Dollars
$0
After inflation
Goal Status
No goal set
Add an optional goal

Return scenarios (CAD)

Compare deposit schedules

Final projected balance depositing the same annual total ($0/yr) at different frequencies.

How to use this compound growth calculator

Enter starting savings, recurring contributions, years and a return assumption. Compare contribution schedules, fees and inflation using the chart and its data tables. Returns are constant scenario assumptions, not forecasts; the projection does not apply account contribution limits or account-specific taxes.

Amounts are in Canadian dollars. Read the calculation methods, sources and review status.

Method and scope

2026 rules · next review Q4 2026 · reviewer: WealthLyra editorial review. This calculator applies the fixed return, fee, contribution-growth, timing and inflation assumptions you enter. Conservative and optimistic paths are deterministic illustrations; they are not probability, volatility, or forecast models. It does not model taxes, account limits, trading costs, or changing market returns.

Compound Growth Calculator FAQs

Educational information about using this account-neutral Canadian-dollar investment projection calculator.

What is compound growth?

Compound growth means returns may be earned on both your original investment and returns earned in earlier periods. Regular contributions and time can have a meaningful effect on a projection.

Does this calculator guarantee investment returns?

No. Results are mathematical illustrations based on your assumptions. Actual returns can be higher or lower, and investment values can decline.

How are contribution timing and frequency handled?

Start-of-period contributions receive that period’s projected return, while end-of-period contributions are added after it. The frequency comparison keeps the same first-year annual contribution total across the displayed deposit frequencies.

Why do fees and inflation matter?

Fees reduce the investment return retained in a portfolio. Inflation reduces purchasing power, so this calculator also estimates the final balance in today’s dollars using the inflation assumption you enter.

What do the conservative, expected, and optimistic scenarios mean?

They are illustrations using your expected annual return plus or minus the scenario spread. They are not forecasts, probabilities, or statistical confidence intervals.

Does this calculator include taxes or registered accounts?

No. This is an account-neutral planning tool. It does not calculate income tax, capital gains tax, registered-account contribution room, tax deductions, or tax on withdrawals.

Is this investment advice?

No. This calculator is for general educational planning only. Consider your objectives, risk tolerance, fees, taxes, and professional advice before making financial decisions.