Explore how your money grows over time, compare TFSA vs taxable investing, and see the impact of big purchases.
Step 1 · Set up your scenario
Basic inputs
Start with a simple setup. You can always refine it later.
Used to estimate a reasonable tax rate on investment gains.
Advanced settings: TFSA & tax details
This is applied to realized investment gains in the taxable account.
Existing contribution room you already have available when this simulation begins.
Each time you click this, the results are updated and a new snapshot is saved for comparison.
Step 2 · Optional one-time events
Big purchases or deposits (optional)
Use this to model choices like “buy a $20k car vs a $50k car” or extra deposits like an inheritance.
Leave it empty if you just want a simple compound interest example.
Use negative values for purchases/withdrawals (money leaving the investment), positive for extra deposits.
Example: “Buy a car / -50000 / 25” means that at the start of age 25 you withdraw $50,000.
Description
Value ($)
Age (at start of year)
Step 3 · Explore the results
Results viewer
Switch between a quick overview, detailed year-by-year numbers, and scenario comparison.
Summary at ending age (after-tax)
No TFSA — ending balance (before tax)
$0
No TFSA — tax if fully sold
$0
No TFSA — net after tax
$0
Using TFSA — ending balance (before tax)
$0
Using TFSA — tax if fully sold
$0
Using TFSA — net after tax
$0
Extra money using TFSA (after tax)
$0
Tax avoided by using TFSA
$0
These numbers show what you would have at the ending age if you sold everything in each scenario.
CSV for spreadsheets · JSON to save & reload scenarios.
Growth over time (net after tax if sold each year)
No TFSA — net after tax
Using TFSA — net after tax
Hover over the chart to see values at each age. The x-axis shows your age at the end of each year.
Year-by-year breakdown
Switch between the scenario where you never use a TFSA and the scenario where you use TFSA space as much as possible.
Currently showing: No TFSA scenario
Age (end of year)
Start balance
Contribution
Return
Simulated tax if sold
End balance
Net after tax
Compare two saved snapshots
Every time you click Run simulation & save snapshot, the current setup is stored.
Choose any two snapshots below to compare their key numbers.