Cost of Waiting
Use this calculator to see the cost of waiting to invest.
Initial savings (maximum value $250,000)
Annual savings (maximum value $50,000)
Years of growth (maximum 50 years)
Years delayed (maximum 25 years)
Rate of return (maximum value 16%)
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10,000
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1,000
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25
Input Error: Years delayed
You cannot enter a value greater than 25 years of growth. |
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10
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6.00%
Input Error: Rate of return
Enter a value between 0 and 16%. |
Net Family Income
Your adjusted net family income is used to calculate an additional CESG grant amount where applicable.
Your adjusted net family income is used to calculate an additional CESG grant amount where applicable.
Annual RESP Contribution
There is no annual RESP contribution limit but there is a lifetime maximum limit of $50,000.
There is no annual RESP contribution limit but there is a lifetime maximum limit of $50,000.
Investment Value in
25
Years
Start Now
Wait
10
Years
Cost of Waiting
Assumptions
Annual savings are deposited at the end of each year. Investment growth is tax-deferred.
Disclaimer
This calculator is for educational purposes only. All charts and illustrations are for illustrative purposes only and are not intended to illustrate the performance of any security or portfolio. You should not rely on the results as an indication of your financial needs and we recommend that you seek your own financial, investment, tax, legal or accounting advice nor shall the information herein be considered as investment advice or as a recommendation to enter into any transaction. Professional advice should be obtained prior to acting on the basis of this information. The deduction of advisory fees, brokerage or other commissions and any other expenses that would have been paid may not be reflected in the calculation results. CI Global Asset Management is a registered business name of CI Investments Inc. ©CI Investments Inc. 2025. All rights reserved.
Annual savings are deposited at the end of each year. Investment growth is tax-deferred.
Disclaimer
This calculator is for educational purposes only. All charts and illustrations are for illustrative purposes only and are not intended to illustrate the performance of any security or portfolio. You should not rely on the results as an indication of your financial needs and we recommend that you seek your own financial, investment, tax, legal or accounting advice nor shall the information herein be considered as investment advice or as a recommendation to enter into any transaction. Professional advice should be obtained prior to acting on the basis of this information. The deduction of advisory fees, brokerage or other commissions and any other expenses that would have been paid may not be reflected in the calculation results. CI Global Asset Management is a registered business name of CI Investments Inc. ©CI Investments Inc. 2025. All rights reserved.
