EXPLORE THE POSSIBILITIES
Explore your possibilities.
Simple tools for the questions ahead. Adjust the numbers and explore what changes.
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Savings growth
Small steps.
Room to grow.
See what time and regular contributions could make possible.
How this estimate works
Contributions are added at month-end. The annual return is an effective rate converted to a monthly rate. Returns are constant in this illustration; actual returns vary. Fees and taxes are excluded. Contributions stay fixed in dollar terms.
Savings goal
Something in mind?
Give it a number.
A future milestone becomes easier to explore with a monthly savings target.
How this estimate works
Target is in future dollars and is not adjusted for inflation. Contributions are made at month-end. Constant effective annual return, compounded monthly; fees and taxes excluded.
Retirement income gap
Your next chapter.
A clearer picture.
Compare the income you expect with the lifestyle you want to support.
How this estimate works
Use spending and income on the same after-tax basis. Both amounts are increased by the same constant inflation assumption. This estimates an income gap only, not the savings needed to fund it. It does not calculate CPP, OAS, taxes, benefit timing or longevity.
Mortgage payoff
A little extra.
A shorter mortgage.
Compare your remaining mortgage with and without an extra monthly payment.
How this estimate works
Assumes a Canadian fixed-rate mortgage with a nominal annual rate compounded semi-annually, monthly payments at month-end and a constant rate for the full remaining amortization. The regular payment is calculated from your entries. Extra payments begin with the next payment. Final payment is reduced to the outstanding amount. Fees, insurance, taxes, lender rounding, renewal changes and prepayment penalties are excluded. Check your lender’s prepayment limits before making extra payments. This is not a mortgage quote.
Numbers are a starting point.
Vijai can help connect the assumptions with your circumstances, priorities and wider financial plan.
Tell Us What MattersEducational illustrations, not personal financial advice or forecasts. All amounts are CAD. Default values are examples, not expected returns or recommendations. Investments can lose value. No results are saved or sent to VJK Financial.
Learn more about compound growth at Investor.gov.