CALCULATOR
Investment Growth Calculator
Compounding is slow and then sudden. Put in a starting balance, a monthly contribution and a rate, and see the split between what you put in and what the growth added.
Your money versus the growth on it
Year by year
| Your money in | Growth | Value |
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This is an estimate for planning purposes, not a quote, a benefit statement or financial advice. It does not account for every credit, fee, deduction or personal circumstance. Returns are assumed steady, which real markets are not. Fees and tax are not deducted. Think Insurance Services Inc. is a licensed insurance agency; for advice specific to you, speak to an advisor.
These numbers are a starting point. Talk to an advisor about your own situation.
Talk to an AdvisorHow much will regular investing grow to?
A monthly contribution compounds into far more than the sum of the deposits, and the share coming from growth rather than your own money rises sharply with time. Contributing $250 a month for 20 years at 6% turns $60,000 of deposits into roughly $115,000. The two levers that matter most are how long you leave it and how much you contribute — not picking the perfect rate.
Common questions
What rate of return should I assume?
Use a conservative figure. Long-run balanced-portfolio returns have historically landed in the mid single digits after fees, and assuming a high rate simply flatters the projection without changing what you will actually have.
Does this account for fees and tax?
No. The projection is gross. Management fees come straight off your return, and outside a TFSA or RRSP growth is taxable, so treat the result as an upper bound.
Is it better to invest a lump sum or monthly?
Mathematically a lump sum invested earlier usually wins, because the money has longer to compound. Monthly contributions win in practice for most people because they match how income actually arrives.
Figures and sources
This calculator uses 2026 figures. Government amounts are reset regularly — CPP each January, OAS every quarter, tax brackets each January.
Last reviewed: 19 August 2026
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