Boring monthly contributions, exciting long-term results. Watch the gold part of the bar take over.
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Your plan
Return is nominal, compounded monthly. Past returns never guarantee future ones.
Projected value
—
Total you put in
—
Growth did the rest
—
Year by year
Your contributionsGrowth
Year
Contributed (total)
Value
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How it works
Your annual return is converted to a monthly rate (annual ÷ 12) and compounded monthly.
Contributions are added at the end of each month — the standard, conservative assumption.
The chart's green is money you put in; the gold is compounding doing its quiet work.
Keep in mind
Real returns are lumpy — this smooth line is an illustration, not a promise.
Fees, taxes, and inflation aren't modelled here. A 6% return with 2% inflation is really ~4% of buying power.
Not financial advice. Past performance doesn't predict future results.
Where should this growth live? Use the TFSA estimator and RRSP calculator to see your tax-sheltered room — growth inside them is tax-free or tax-deferred.
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