Canadian Finance Simulator
Move any ribbon — or type a value — to see taxes, contributions, and wealth update instantly.
Income
Profile & assumptions
Amount invested each year
How your wealth grows
Total in 10 yr
$775,770
Back from CRA
$58,370
Earned investing
$412,400
Where your money goes
Income waterfall
Contribution room used
$10,000 of $17,074 (18% of earned income)
Tax saved
Tax & payroll breakdown
Advisor insights
Your money could grow
At 18% annual return, your investing is projected to build about $775,770 over 10 years — of which roughly $412,400 is pure investment growth.
Unclaimed RRSP tax savings
Contributing an extra $5,000 to your RRSP would cut your tax by about $1,483 this year (≈30% back). Right now that refund is left on the table.
Free government grant (CESG)
Your RESP attracts an estimated $500 per year in Canada Education Savings Grant — a guaranteed 20% top-up from the government.
Tax-free TFSA growth
Every dollar of growth inside your TFSA is completely tax-free — including when you withdraw it.
Your marginal tax rate
Your next dollar of ordinary income is taxed at about 30% (federal + provincial). Registered-account deductions save you tax at this rate.
Scenario comparison
No scenarios saved yet — use the buttons above.
Talk to a real advisor
Like what you see? Let's make it your actual plan.
These numbers are a starting point. Book a free, no-pressure conversation and a KianTrust advisor will tailor a strategy to your real situation — taxes, registered accounts, retirement, and more.
- ✓ 30-minute consultation, completely free
- ✓ English, French & Persian support
- ✓ No obligation, no jargon
⚠️ Illustrative estimates for educational modelling only. 2024 and 2025 use published federal amounts and CPP/EI/account limits; provincial brackets for 2025 are indexed from 2024, and 2026 figures are indexed estimates. Simplifications include flat basic personal amounts, omitted surtaxes (except Ontario), health premiums, OAS/GIS clawbacks, and QPIP. Not tax, investment, or legal advice — verify with a licensed professional before acting.