Retirement
Investing
Build for tomorrow without losing sight of today.
Explore TFSA and RRSP growth, contribution pacing, and long-term saving decisions using your own numbers and transparent assumptions.Explore TFSA, RRSP and long-term saving questions with your numbers and transparent assumptions.
No stock picks. No pressure. Just clearer long-term trade-offs.
- Calculations run in your browser
- No signup required
- No sales pressure
Start with a question
What are you building toward?
Choose the path that matches the question in front of you.
Education
How could education savings build over time?
Open RESP Planner
Flexible long-term savings
How could time shape money you want to keep flexible?
Explore TFSA Growth
Understand the basics
I want to understand the key ideas first.
Read investing basicsSee how time changes the outcome
The same monthly habit can lead to very different outcomes.
Investing earlier gives each contribution more time to compound. This illustration uses the same monthly amount and hypothetical rate at every horizon.
$300 deposited at each month-end, 6% nominal annual return compounded monthly, no fees or taxes. Values are rounded to the nearest $100.
Illustrative example only. Returns are hypothetical and not guaranteed.
Total value
$36,000 contributedTotal value
$72,000 contributedTotal value
$108,000 contributedThe account changes how the money works.
Different account types solve different household problems. Rules and available contribution room still apply.
TFSA
- Contributions are not tax-deductible.
- Investment income and withdrawals are generally tax-free.
- Withdrawn amounts are added back to room the next calendar year.
RRSP
- Deductible contributions can reduce your tax.
- Income is usually tax-exempt while funds remain in the plan.
- Withdrawals are generally taxable.
RESP
- Contributions are not tax-deductible.
- Earnings can grow tax-deferred inside the plan.
- Eligible plans may receive education savings grants.
Built around real life
A contribution has to fit the rest of the month.
Investing exists beside housing, debt, kids, emergencies and everything else competing for the same cash flow. A projection can show what a pace might become; it cannot decide what is sustainable for your household.
- Start with the month.Use an amount that leaves room for current obligations.
- Keep assumptions comparable.Change one input at a time to understand its effect.
- Revisit as life changes.A contribution amount does not need to stay fixed forever.
Use your numbers
Explore the path in more detail.
Open a current public tool and change the inputs yourself.
Flexible savings
TFSA Growth Helper
Project tax-free growth with monthly contributions and a hypothetical return assumption.Explore monthly contributions and hypothetical long-term growth.
Open TFSA GrowthRetirement
RRSP Growth Starter
See how steady contributions could grow between now and retirement.See how steady contributions could grow toward retirement.
Open RRSP GrowthEducation
RESP Planner
Explore education savings using contributions, an estimated grant input and long-term growth.Explore education savings using contributions and grant assumptions.
Open RESP PlannerAssumptions matter
A projection is only as useful as its assumptions.
FinForFam keeps important assumptions visible so you can change them instead of treating one projection as a promise.
Read our methodologyContributions
How much is added and how often.
Time
How long the projection runs.
Return assumption
The hypothetical rate used to model growth.
The bigger picture
Investing is one part of the household.
Retirement savings sit beside housing, debt, education goals, emergency savings and today’s cash flow.
FinForFam helps you keep the full picture in mind.
See your financial pictureOne householdEvery choice has a place.
See home, today and future together.
How it works
Three small steps to clearer investing decisions.
- 1
Start with one goal
Focus on the outcome that matters most right now.
- 2
Use your real numbers
Bring a contribution amount, time horizon and assumptions.
- 3
Review the trade-offs clearly
See how changing inputs changes the projection before deciding what fits.
Understand before you decide
