Investment Calculator
Estimate future portfolio value after contributions, return assumptions, fees, and optional tax drag.
Estimated final value after contributions, returns, annual fees, and optional tax drag.
Use this for TFSA, RRSP, FHSA, RESP, non-registered accounts, ETFs, index funds, and long-term portfolio scenarios.
Turn these numbers into a live financial plan.
The AI Financial Dashboard connects your calculators, tracks net worth, models scenarios, and gives you a full financial command centre — in one place.
Open AI Financial Dashboard →What Is an Investment Calculator?
An investment calculator estimates how money may grow over time when a starting balance, recurring contributions, expected return, and timeline work together.
BankDeMark’s investment calculator helps compare contribution habits, fees, tax drag, and long-term portfolio growth in a clean planning snapshot.
How Investment Growth Works
Investment growth usually comes from capital appreciation, dividends, interest, and reinvested returns. Over long periods, consistent contributions and time in the market often matter more than perfect timing.
Starting balance
Your current portfolio or initial deposit.
Monthly contribution
The amount invested consistently over time.
Expected return
Your assumed average annual growth rate.
Timeline
The number of years the money stays invested.
Why Fees and Tax Drag Matter
Small annual fees can become large over decades because they reduce the money left to compound. Tax drag can also reduce real-world returns in taxable accounts.
Pair this with the investing guide, compound interest calculator, TFSA calculator, and RRSP calculator.
Common Investment Calculator Mistakes
- Using overly optimistic return assumptions.
- Ignoring fees, MERs, advisory costs, and platform costs.
- Forgetting that taxable accounts may grow differently than tax-sheltered accounts.
- Stopping contributions during volatility.
- Assuming projections are guarantees.
Investment Calculator FAQ
What is an investment calculator?
An investment calculator estimates how your portfolio may grow over time based on your starting amount, monthly contributions, expected return, timeline, fees, and optional tax drag.
How is investment growth calculated?
Investment growth is estimated by compounding your starting balance and recurring contributions using an assumed annual return, then adjusting for fees or tax drag if included.
What return should I use?
Use a conservative long-term assumption and test multiple scenarios such as 4%, 6%, 7%, or 8% instead of relying on one optimistic number.
Do fees matter in investing?
Yes. Even small annual fees can reduce long-term portfolio value because they lower the amount of money left to compound.
Build Your Investment Knowledge
Curated tools, guides, and pillars connected to this page — each one moves you further along the BankDeMark financial system.
See exactly how your money grows with compound interest over time.
Open Calculator →