How much will your money be worth?
Pick an ETF, enter your contributions, and see 3 scenarios over 25 years.
Total contributed: $151,000 · Gains (realistic scenario): $217,560
Three possible paths
- Pessimistic
- Realistic
- Optimistic
Your capital vs your gains
Realistic scenario (6.5%/yr) — what you deposit vs what compound interest adds.
- Capital invested
- Gains
Ready to start?
Open an account (TFSA, RRSP…) with a Canadian broker and automate your contributions.
Disclosure: this site may earn a commission if you open an account through these links, at no extra cost to you.
Frequently asked questions
What is an ETF?
An exchange-traded fund (ETF) is a basket of stocks or bonds you buy in a single transaction. One all-in-one ETF like XEQT makes you a part-owner of thousands of companies around the world, for very low annual fees (the “MER” shown on each card).
How does this savings calculator work?
The calculator applies monthly compound interest: every month your contribution is added to your capital and the total grows at the selected scenario's rate. The three scenarios (pessimistic, realistic, optimistic) are deliberately more conservative than the historical returns shown.
TFSA or RRSP for ETF investing?
Both accounts let your investments grow tax-sheltered. As a rule of thumb: TFSA first for its flexibility, then RRSP as your income grows. Every situation is different — consult a professional if needed.