Compound growth

See how time and contributions interact.

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Interactive learningAll amounts in CAD · No financial accounts connected

Explore the assumptions

Starting amountMonthly contributionYearsHypothetical annual return (%)Annual inflation assumption (%)Years of waiting

ILLUSTRATIVE FUTURE VALUE

$83,724

Total contributions including starting amount$53,000

Hypothetical growth$30,724

Estimated value in today’s dollars$56,344

Starting after 5 years of waiting$57,936

Solid: scenario A. Dashed: comparison. Illustrative constant assumptions; actual paths vary.

Year-by-year values

Year	Contributions	Illustrative value
0	$5,000	$5,000
1	$7,400	$7,644
2	$9,800	$10,393
3	$12,200	$13,253
4	$14,600	$16,226
5	$17,000	$19,319
6	$19,400	$22,536
7	$21,800	$25,881
8	$24,200	$29,360
9	$26,600	$32,978
10	$29,000	$36,740
11	$31,400	$40,654
12	$33,800	$44,724
13	$36,200	$48,956
14	$38,600	$53,358
15	$41,000	$57,936
16	$43,400	$62,697
17	$45,800	$67,649
18	$48,200	$72,798
19	$50,600	$78,154
20	$53,000	$83,724

Returns are hypothetical and not guaranteed. Waiting assumes starting cash stays unchanged, with no contributions until the delay ends.

How this illustration is calculated

Annual return is treated as an effective rate: monthly rate = (1 + annual return)^(1/12) − 1. Contributions arrive at month-end. Real value = future value ÷ (1 + inflation)^years. Taxes and fees are excluded. The same end date is used for the starting-now and waiting comparisons.

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For educational purposes only. Not financial, investment, tax or legal advice. Hypothetical results depend on the assumptions entered and are not recommendations, approvals, guarantees or predictions. Results exclude circumstances and costs not entered.

Sources, effective dates & calculation rules

Information may change. Reviewed values are educational references, not personal contribution room or eligibility decisions.

Rule	Value	Effective / as of	Reviewed	Status	Source

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