Skip to content
investmentcalculator.caby MITEY
YOUR NEXT CHAPTER, CONSIDERED

A little today.
More possibility
tomorrow.

Explore the choices behind an investment plan. Contributions, fees, time and uncertainty — all in the open.

Make a plan Open the full workspace
Growth you can exploreCosts you can seeNumbers that stay local
THINK IN YEARS.
START WITH A STEP.01Your plan. Your pace.
SET YOUR OWN ASSUMPTIONS

A plan starts with
a few good questions.

A useful detail

The return is your constant assumption, not a prediction or a current product rate. Negative returns are supported. The annual effective return converts to an equivalent monthly rate; fees are charged monthly after growth, before an end-of-month deposit. Taxes and transaction costs are excluded.

ILLUSTRATED AFTER 20 YEARS
$215,589

Projected balance after modelled ongoing fees, before tax.

Your growth assumption and a two-percentage-point range; not a confidence interval$273,916$136,958$0Start20 years
2 points lowerYour assumption2 points higher
You contribute$130,000
Modelled growth, net of fees$85,589
Ongoing fees charged$9,795
Balance difference with zero fees$13,846

The lower/higher lines change only the annual return assumption. They are not probability bands, forecasts or risk classifications.

Keep the useful
conversation going.

Ask a question about the site or worksheet. This is not an application or an instruction to invest. You choose whether any calculation context is included.

A PERSON, WHEN YOU NEED ONE

Keep the conversation going.

Send the MITEY team a question about this site. This does not make an application, order a service or enrol you in a newsletter.

This review address cannot send enquiries, subscriptions or AI questions. Nothing entered here is sent.

Exact message preview 
Topic: An investment planning worksheet or site question

Message:
67/2,000 characters · page: Current public page (shown after loading). No query values, referrer or device details.
GO BEYOND ONE PROJECTION

One plan.
More useful questions.

Work back from a goal. Compare two complete plans. Inspect company fundamentals, rebalance a manual allocation, or explore retirement withdrawals and return order.

Explore the workspace
Goals & comparisonsAllocation & targetsStatement ratiosWithdrawals & stress tests
A WIDER SET OF QUESTIONS

Connected tools.
Clear boundaries.

Reviewed model reuse from Calculating.ca and the MITEY mortgage engines supports this workspace. These additional tools open on their own sites; no worksheet figures are attached to the links.

Calculating.ca

Compound-interest reference

Compare its nominal monthly-compounding convention with this site’s annual effective-return model.

Open the tool Calculating.ca

RRSP / TFSA assumptions

Explore an equal after-tax budget comparison. Check contribution room, refund reinvestment and personal tax limits separately.

Open the tool Mortgage-calculators.ca

Residential decision workspace

Explore specialist mortgage choices, detailed schedules and scenario working. Read each model’s conventions.

Open the tool Mortgage-calculators.ca

Commercial coverage

Consider property income and debt coverage in a specialist worksheet, with its own assumptions and enquiry routing.

Open the tool
CONNECTED DECISIONS

Follow the question
that matters to you.

Invest
Home
Property
Learn