Real Rates of Return
Use this calculator to see how taxes and inflation affect your investments.
| Ontario |
|
75,000
Your Taxable Income
Enter the taxable income amount from line 260 of your personal income tax return. |
|
10,000
|
|
1,000
|
|
25
|
|
6.00%
Rate of return
Enter a value between 0 and 16%. |
|
2.00%
Inflation rate
Enter a value between 0 and 10%. |
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.
Input Error: Contribute for (years)
The maximum value you can enter is 18 years.
The maximum value you can enter is 18 years.
Investment Value in
25
Years
6.00%
Nominal Return
Nominal Return
2.18%
Real Return
Real Return
Lost to Taxes
and Inflation
and Inflation
Assumptions
Annual savings are deposited at the start of each year. Calculations use marginal tax rates as of January 2025. Rates take all federal and provincial taxes and surtaxes into account and the basic personal tax credit.
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 start of each year. Calculations use marginal tax rates as of January 2025. Rates take all federal and provincial taxes and surtaxes into account and the basic personal tax credit.
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.
