Canada

Investment calculator

Pick an account, enter what you invest, and see what you keep after tax in a TFSA, an RRSP and a non-registered account.

What you invest
25 yrs
6%

Returns are not guaranteed. Real years go up and down.

Your tax rates

Use your combined federal and provincial rate on the next dollar you earn. Your province and income change it.

Choose an account

Example numbers · replace with yours

You keep after tax

$0

Amounts are what you keep after tax if you withdraw everything at the end.

Assumptions

Every account gets the same monthly amount. In the RRSP, each contribution earns a tax refund at your rate today, and the whole balance is taxed as income when you withdraw. In a TFSA, growth and withdrawals are tax-free. In a non-registered account, the yearly payouts (interest and dividends) are taxed at your rate today, and the rest of the growth is a capital gain, with half of it taxed when you sell.

This draft ignores the dividend tax credit, provincial differences, fees outside your return, and contribution room you may not have.