A LITTLE TODAY. MORE POSSIBILITY TOMORROW.Make room for
Make room for
what matters.
A rainy-day cushion. A door of your own. A little more freedom. Let's turn what you're saving for into a plan you can see.
Your numbers stay hereEvery assumption visible
YOUR LITTLE PLAN, WITH A BIGGER PICTURE
Calculated on your deviceWhat could your savings become?
Try your numbers. The picture updates as you go.
Fine-tune the assumptions
A rate is only part of the story
Try increasing the monthly deposit by $25, then return it to the original amount and change only the rate. You'll see the effect of each decision separately.
YOUR PROJECTED BALANCE$79,288
After 120 months · $79,288.27 with cents
You put in$61,000
Net growth$18,288
In today's dollars$65,044
Projected balanceYour contributions
Fixed assumptions. Equivalent monthly growth. Monthly cent rounding. See the method
Interest $18,288.27 · Tax assumption $0.00 · Fees $0.00
See every month in the ledger
| Month | Deposit | Interest | Interest tax | Account fee | Closing balance | Contributed |
|---|---|---|---|---|---|---|
| 0 | $0.00 | $0.00 | $0.00 | $0.00 | $1,000.00 | $1,000.00 |
| 1 | $500.00 | $4.17 | $0.00 | $0.00 | $1,504.17 | $1,500.00 |
| 2 | $500.00 | $6.27 | $0.00 | $0.00 | $2,010.44 | $2,000.00 |
| 3 | $500.00 | $8.38 | $0.00 | $0.00 | $2,518.82 | $2,500.00 |
| 4 | $500.00 | $10.50 | $0.00 | $0.00 | $3,029.32 | $3,000.00 |
| 5 | $500.00 | $12.62 | $0.00 | $0.00 | $3,541.94 | $3,500.00 |
| 6 | $500.00 | $14.76 | $0.00 | $0.00 | $4,056.70 | $4,000.00 |
| 7 | $500.00 | $16.90 | $0.00 | $0.00 | $4,573.60 | $4,500.00 |
| 8 | $500.00 | $19.06 | $0.00 | $0.00 | $5,092.66 | $5,000.00 |
| 9 | $500.00 | $21.22 | $0.00 | $0.00 | $5,613.88 | $5,500.00 |
| 10 | $500.00 | $23.39 | $0.00 | $0.00 | $6,137.27 | $6,000.00 |
| 11 | $500.00 | $25.57 | $0.00 | $0.00 | $6,662.84 | $6,500.00 |
| 12 | $500.00 | $27.76 | $0.00 | $0.00 | $7,190.60 | $7,000.00 |
| 13 | $500.00 | $29.96 | $0.00 | $0.00 | $7,720.56 | $7,500.00 |
| 14 | $500.00 | $32.17 | $0.00 | $0.00 | $8,252.73 | $8,000.00 |
| 15 | $500.00 | $34.39 | $0.00 | $0.00 | $8,787.12 | $8,500.00 |
| 16 | $500.00 | $36.61 | $0.00 | $0.00 | $9,323.73 | $9,000.00 |
| 17 | $500.00 | $38.85 | $0.00 | $0.00 | $9,862.58 | $9,500.00 |
| 18 | $500.00 | $41.09 | $0.00 | $0.00 | $10,403.67 | $10,000.00 |
| 19 | $500.00 | $43.35 | $0.00 | $0.00 | $10,947.02 | $10,500.00 |
| 20 | $500.00 | $45.61 | $0.00 | $0.00 | $11,492.63 | $11,000.00 |
| 21 | $500.00 | $47.89 | $0.00 | $0.00 | $12,040.52 | $11,500.00 |
| 22 | $500.00 | $50.17 | $0.00 | $0.00 | $12,590.69 | $12,000.00 |
| 23 | $500.00 | $52.46 | $0.00 | $0.00 | $13,143.15 | $12,500.00 |
| 24 | $500.00 | $54.76 | $0.00 | $0.00 | $13,697.91 | $13,000.00 |
| 25 | $500.00 | $57.07 | $0.00 | $0.00 | $14,254.98 | $13,500.00 |
| 26 | $500.00 | $59.40 | $0.00 | $0.00 | $14,814.38 | $14,000.00 |
| 27 | $500.00 | $61.73 | $0.00 | $0.00 | $15,376.11 | $14,500.00 |
| 28 | $500.00 | $64.07 | $0.00 | $0.00 | $15,940.18 | $15,000.00 |
| 29 | $500.00 | $66.42 | $0.00 | $0.00 | $16,506.60 | $15,500.00 |
| 30 | $500.00 | $68.78 | $0.00 | $0.00 | $17,075.38 | $16,000.00 |
| 31 | $500.00 | $71.15 | $0.00 | $0.00 | $17,646.53 | $16,500.00 |
| 32 | $500.00 | $73.53 | $0.00 | $0.00 | $18,220.06 | $17,000.00 |
| 33 | $500.00 | $75.92 | $0.00 | $0.00 | $18,795.98 | $17,500.00 |
| 34 | $500.00 | $78.32 | $0.00 | $0.00 | $19,374.30 | $18,000.00 |
| 35 | $500.00 | $80.73 | $0.00 | $0.00 | $19,955.03 | $18,500.00 |
| 36 | $500.00 | $83.15 | $0.00 | $0.00 | $20,538.18 | $19,000.00 |
| 37 | $500.00 | $85.58 | $0.00 | $0.00 | $21,123.76 | $19,500.00 |
| 38 | $500.00 | $88.02 | $0.00 | $0.00 | $21,711.78 | $20,000.00 |
| 39 | $500.00 | $90.47 | $0.00 | $0.00 | $22,302.25 | $20,500.00 |
| 40 | $500.00 | $92.93 | $0.00 | $0.00 | $22,895.18 | $21,000.00 |
| 41 | $500.00 | $95.40 | $0.00 | $0.00 | $23,490.58 | $21,500.00 |
| 42 | $500.00 | $97.88 | $0.00 | $0.00 | $24,088.46 | $22,000.00 |
| 43 | $500.00 | $100.37 | $0.00 | $0.00 | $24,688.83 | $22,500.00 |
| 44 | $500.00 | $102.87 | $0.00 | $0.00 | $25,291.70 | $23,000.00 |
| 45 | $500.00 | $105.38 | $0.00 | $0.00 | $25,897.08 | $23,500.00 |
| 46 | $500.00 | $107.90 | $0.00 | $0.00 | $26,504.98 | $24,000.00 |
| 47 | $500.00 | $110.44 | $0.00 | $0.00 | $27,115.42 | $24,500.00 |
| 48 | $500.00 | $112.98 | $0.00 | $0.00 | $27,728.40 | $25,000.00 |
| 49 | $500.00 | $115.54 | $0.00 | $0.00 | $28,343.94 | $25,500.00 |
| 50 | $500.00 | $118.10 | $0.00 | $0.00 | $28,962.04 | $26,000.00 |
| 51 | $500.00 | $120.68 | $0.00 | $0.00 | $29,582.72 | $26,500.00 |
| 52 | $500.00 | $123.26 | $0.00 | $0.00 | $30,205.98 | $27,000.00 |
| 53 | $500.00 | $125.86 | $0.00 | $0.00 | $30,831.84 | $27,500.00 |
| 54 | $500.00 | $128.47 | $0.00 | $0.00 | $31,460.31 | $28,000.00 |
| 55 | $500.00 | $131.08 | $0.00 | $0.00 | $32,091.39 | $28,500.00 |
| 56 | $500.00 | $133.71 | $0.00 | $0.00 | $32,725.10 | $29,000.00 |
| 57 | $500.00 | $136.35 | $0.00 | $0.00 | $33,361.45 | $29,500.00 |
| 58 | $500.00 | $139.01 | $0.00 | $0.00 | $34,000.46 | $30,000.00 |
| 59 | $500.00 | $141.67 | $0.00 | $0.00 | $34,642.13 | $30,500.00 |
| 60 | $500.00 | $144.34 | $0.00 | $0.00 | $35,286.47 | $31,000.00 |
| 61 | $500.00 | $147.03 | $0.00 | $0.00 | $35,933.50 | $31,500.00 |
| 62 | $500.00 | $149.72 | $0.00 | $0.00 | $36,583.22 | $32,000.00 |
| 63 | $500.00 | $152.43 | $0.00 | $0.00 | $37,235.65 | $32,500.00 |
| 64 | $500.00 | $155.15 | $0.00 | $0.00 | $37,890.80 | $33,000.00 |
| 65 | $500.00 | $157.88 | $0.00 | $0.00 | $38,548.68 | $33,500.00 |
| 66 | $500.00 | $160.62 | $0.00 | $0.00 | $39,209.30 | $34,000.00 |
| 67 | $500.00 | $163.37 | $0.00 | $0.00 | $39,872.67 | $34,500.00 |
| 68 | $500.00 | $166.14 | $0.00 | $0.00 | $40,538.81 | $35,000.00 |
| 69 | $500.00 | $168.91 | $0.00 | $0.00 | $41,207.72 | $35,500.00 |
| 70 | $500.00 | $171.70 | $0.00 | $0.00 | $41,879.42 | $36,000.00 |
| 71 | $500.00 | $174.50 | $0.00 | $0.00 | $42,553.92 | $36,500.00 |
| 72 | $500.00 | $177.31 | $0.00 | $0.00 | $43,231.23 | $37,000.00 |
| 73 | $500.00 | $180.13 | $0.00 | $0.00 | $43,911.36 | $37,500.00 |
| 74 | $500.00 | $182.96 | $0.00 | $0.00 | $44,594.32 | $38,000.00 |
| 75 | $500.00 | $185.81 | $0.00 | $0.00 | $45,280.13 | $38,500.00 |
| 76 | $500.00 | $188.67 | $0.00 | $0.00 | $45,968.80 | $39,000.00 |
| 77 | $500.00 | $191.54 | $0.00 | $0.00 | $46,660.34 | $39,500.00 |
| 78 | $500.00 | $194.42 | $0.00 | $0.00 | $47,354.76 | $40,000.00 |
| 79 | $500.00 | $197.31 | $0.00 | $0.00 | $48,052.07 | $40,500.00 |
| 80 | $500.00 | $200.22 | $0.00 | $0.00 | $48,752.29 | $41,000.00 |
| 81 | $500.00 | $203.13 | $0.00 | $0.00 | $49,455.42 | $41,500.00 |
| 82 | $500.00 | $206.06 | $0.00 | $0.00 | $50,161.48 | $42,000.00 |
| 83 | $500.00 | $209.01 | $0.00 | $0.00 | $50,870.49 | $42,500.00 |
| 84 | $500.00 | $211.96 | $0.00 | $0.00 | $51,582.45 | $43,000.00 |
| 85 | $500.00 | $214.93 | $0.00 | $0.00 | $52,297.38 | $43,500.00 |
| 86 | $500.00 | $217.91 | $0.00 | $0.00 | $53,015.29 | $44,000.00 |
| 87 | $500.00 | $220.90 | $0.00 | $0.00 | $53,736.19 | $44,500.00 |
| 88 | $500.00 | $223.90 | $0.00 | $0.00 | $54,460.09 | $45,000.00 |
| 89 | $500.00 | $226.92 | $0.00 | $0.00 | $55,187.01 | $45,500.00 |
| 90 | $500.00 | $229.95 | $0.00 | $0.00 | $55,916.96 | $46,000.00 |
| 91 | $500.00 | $232.99 | $0.00 | $0.00 | $56,649.95 | $46,500.00 |
| 92 | $500.00 | $236.04 | $0.00 | $0.00 | $57,385.99 | $47,000.00 |
| 93 | $500.00 | $239.11 | $0.00 | $0.00 | $58,125.10 | $47,500.00 |
| 94 | $500.00 | $242.19 | $0.00 | $0.00 | $58,867.29 | $48,000.00 |
| 95 | $500.00 | $245.28 | $0.00 | $0.00 | $59,612.57 | $48,500.00 |
| 96 | $500.00 | $248.39 | $0.00 | $0.00 | $60,360.96 | $49,000.00 |
| 97 | $500.00 | $251.50 | $0.00 | $0.00 | $61,112.46 | $49,500.00 |
| 98 | $500.00 | $254.64 | $0.00 | $0.00 | $61,867.10 | $50,000.00 |
| 99 | $500.00 | $257.78 | $0.00 | $0.00 | $62,624.88 | $50,500.00 |
| 100 | $500.00 | $260.94 | $0.00 | $0.00 | $63,385.82 | $51,000.00 |
| 101 | $500.00 | $264.11 | $0.00 | $0.00 | $64,149.93 | $51,500.00 |
| 102 | $500.00 | $267.29 | $0.00 | $0.00 | $64,917.22 | $52,000.00 |
| 103 | $500.00 | $270.49 | $0.00 | $0.00 | $65,687.71 | $52,500.00 |
| 104 | $500.00 | $273.70 | $0.00 | $0.00 | $66,461.41 | $53,000.00 |
| 105 | $500.00 | $276.92 | $0.00 | $0.00 | $67,238.33 | $53,500.00 |
| 106 | $500.00 | $280.16 | $0.00 | $0.00 | $68,018.49 | $54,000.00 |
| 107 | $500.00 | $283.41 | $0.00 | $0.00 | $68,801.90 | $54,500.00 |
| 108 | $500.00 | $286.67 | $0.00 | $0.00 | $69,588.57 | $55,000.00 |
| 109 | $500.00 | $289.95 | $0.00 | $0.00 | $70,378.52 | $55,500.00 |
| 110 | $500.00 | $293.24 | $0.00 | $0.00 | $71,171.76 | $56,000.00 |
| 111 | $500.00 | $296.55 | $0.00 | $0.00 | $71,968.31 | $56,500.00 |
| 112 | $500.00 | $299.87 | $0.00 | $0.00 | $72,768.18 | $57,000.00 |
| 113 | $500.00 | $303.20 | $0.00 | $0.00 | $73,571.38 | $57,500.00 |
| 114 | $500.00 | $306.55 | $0.00 | $0.00 | $74,377.93 | $58,000.00 |
| 115 | $500.00 | $309.91 | $0.00 | $0.00 | $75,187.84 | $58,500.00 |
| 116 | $500.00 | $313.28 | $0.00 | $0.00 | $76,001.12 | $59,000.00 |
| 117 | $500.00 | $316.67 | $0.00 | $0.00 | $76,817.79 | $59,500.00 |
| 118 | $500.00 | $320.07 | $0.00 | $0.00 | $77,637.86 | $60,000.00 |
| 119 | $500.00 | $323.49 | $0.00 | $0.00 | $78,461.35 | $60,500.00 |
| 120 | $500.00 | $326.92 | $0.00 | $0.00 | $79,288.27 | $61,000.00 |
Saving is optional. Only one plan is stored locally; use the CSV to keep another copy.
THERE'S MORE THAN ONE WAY FORWARD
All the tools Find your next useful step.
SMALL DETAILS. MORE CONFIDENCE.The numbers are yours.
The numbers are yours.
The workings stay visible.
- A complete ledger, down to the month.
- Local calculations. Sharing only by choice.
- Methods and sources, close to the result.
A LITTLE KNOW-HOW GOES A LONG WAY
Explore all guides Make sense of the next move.
5 min
THE FOUNDATIONSCompound interest, without the mystery.
See how your deposits, timing and rate build a balance—and where the illustration stops.
A little more understanding4 min
EVERYDAY RESILIENCEA little breathing room, built your way.
Turn a cash-buffer idea into a monthly savings target that fits your household.
A little more understanding5 min
ACCOUNT CHOICESMake the RRSP assumptions visible.
Separate contributions, a possible deduction and eventual withdrawals before comparing accounts.
A little more understanding