Is your money working as hard as it could be?
Many Canadians have investments sitting in accounts earning far less than they could be. This calculator shows you side by side exactly what the difference in return rate means for your financial future — in real dollars. No sign-up required.
1% difference
in return rate can mean $100,000+ over 20 years
Tax-sheltered
accounts amplify the difference even further
Free
this calculator
Your Investment Profile
Your Money
Historical balanced portfolio: 6-8%.
Your Tax Situation
Combined federal + provincial rate (BC).
Expected rate when you withdraw.
Accounts to Compare
Not sure which account is right for you?
Book a Free Strategy Call →For your tax situation, the FHSA produces the most after-tax wealth — $103,700 more than the next best option.
| Account Type | Final Value | Tax Paid | After-Tax Value | Effective Return |
|---|---|---|---|---|
| FHSA | $505,854 | $0 | $505,854 | 7.0% |
| RRSP | $505,854 | $103,700 | $402,154 | 7.0% |
| TFSA | $386,157 | $0 | $386,157 | 7.0% |
| Non-Registered | $386,157 | $44,741 | $341,416 | 5.8% |
| Corporate | $386,157 | $57,772 | $328,385 | 6.1% |
| Whole Life | $291,178 | $0 | $291,178 | 5.5% |
Tax Saved
$0
Best vs Worst
Total Tax Paid
$0
Worst Option
Extra Growth
$164,438
Best vs Non-Reg
Return Diff
1.5%
Annual Effective
Pre-Tax Growth Over Time
After-Tax Value Comparison
Over 25 years at 7%, your $25,000 grows to $386,157 in a TFSA (fully tax-free), $402,154 after-tax in an RRSP, and $341,416 after-tax in a non-registered account. The difference between best and worst is $214,676 — purely from account choice, not investment performance.
The investments you have versus the investments you could have.
Most people never review their rate of return
Many Canadians set up investments years ago and never revisit them. Markets change, products change, and what was competitive then may not be competitive now.
Fees eat more than you think
A 2% management fee on a $200,000 portfolio costs $4,000 per year — money that could be compounding for your future instead.
The account type matters as much as the rate
The same investment earning the same return generates very different outcomes inside a TFSA, RRSP, or non-registered account. Tax treatment changes everything.
One conversation could change your trajectory
You don't need to overhaul everything. Sometimes a small adjustment — moving to a more competitive product or account type — makes a significant difference over time.
When did you last review your investment return rate?
Book your free review →The account matters as much as the investment.
Most Canadians focus on what to invest in — but which account you use can be worth tens of thousands of dollars over your lifetime. Book a free call and we'll build the right account strategy for your situation.
Book free strategy call →