Chargement
Play with the numbers. See the effect of time horizon, rate and regularity on your future wealth. The power of compound interest before your eyes.
Time does the heavy lifting — these two tools show it both ways: from today forward, and from your goal back to the required effort.
If I invest this amount and leave it alone, what will it be worth?
Capital is multiplied each year by the rate, and the result becomes the base for the next year. That carry-forward is what makes the curve exponential rather than straight: most of the growth appears in the final third.
A starting amount, an annual rate, a duration. Nothing else.
The rate is assumed CONSTANT — no market behaves that way. No tax, fees or inflation are deducted: the result is nominal, and its real purchasing power will be markedly lower over a long horizon.
Monthly compounding calculation. Add a recurring contribution to see the snowball effect.
For information only. Past performance ≠ future performance. Polaris is not an investment advisor (AMF).
To reach this amount by this date, how much must I contribute?
The same calculation, run backwards: from the goal and the horizon back to the required contribution. It makes the cost of delay visible — postponing five years raises the monthly effort far more than proportionally.
A goal, a horizon, an expected rate, and any capital already invested.
The resulting contribution assumes perfect regularity and a constant return. It says nothing about the risk needed to achieve that rate: a more ambitious goal usually means accepting volatility one may not tolerate to the end.
Set a goal. Polaris computes the monthly contribution needed to reach it.
A fixed amount, at a fixed interval. The simple version projects one curve; the Monte Carlo version simulates thousands of market paths.
What does a fixed amount, invested at a fixed interval, end up producing?
Each contribution compounds over its remaining time — the first works for ten years, the last for days. The tool then separates what you contributed from what returns added, showing when the latter overtakes the former.
A contribution, its frequency, an annual rate, a duration.
A single path at a constant rate. Reality varies the purchase price at every contribution, which changes the outcome — sometimes favourably. Missed contributions, raises and taxes are not modelled.
DCA calculator
Project a fixed amount invested at a regular interval, separating what you contributed from what returns added.
See plansWhat does the RANGE of possible outcomes look like, rather than a single curve?
Thousands of paths are drawn from an average return and a volatility, then ranked. You read percentiles: the median outcome, but also the unfavourable scenarios — exactly the ones a single projection hides.
A contribution, a duration, an expected average return and a volatility.
The simulation draws from a statistical law that UNDERSTATES extremes: real crashes are more frequent and deeper than such draws produce. The low percentiles are therefore optimistic, not pessimistic.
Monte Carlo simulation
Thousands of simulated market paths instead of a single average curve.
See plansYour financial-independence “number”, and the horizon to reach it given your savings rate.
What capital would make my spending sustainable without employment income?
It starts from annual spending and a withdrawal rate deemed sustainable to derive the capital required. The horizon then follows from the savings rate: that, far more than returns, sets the duration.
Annual spending, a savings rate, an expected return, a withdrawal rate.
The withdrawal rate assumes a favourable order of returns. Two retirements with the same average return can end very differently depending on whether the bad years come first or last — sequence risk, which this calculation does not see. Spending inflation, health costs and withdrawal taxation are not included.
FIRE calculator
Your financial-independence “number” and the years to reach it, given your savings rate.
See plansBring your weights back to target — the calculator tells you what to buy and sell, or how to get there with new deposits alone.
Which moves would bring my portfolio back to its target allocation?
The tool compares each holding’s current weight with its target and computes the gap in dollars. The positions that rose most are mechanically the ones the exercise trims — precisely what makes it counter-intuitive.
Your current positions and the target allocation, in percentages.
The amounts shown ignore transaction costs and, above all, tax on gains realised outside registered accounts — a tax-costly rebalance can erase its own benefit. Nor does the tool say whether you SHOULD rebalance: that frequency is a trade-off between risk control and costs.
Rebalancing calculator
What to buy and sell to bring your weights back to target — or how to get there with new deposits alone.
See plansTFSA, RRSP, non-registered: where to put what, and what it changes after tax — across all ten provinces.
TFSA, RRSP or non-registered — what changes after tax?
The same investment is projected in each account type, applying its own tax treatment: deduction on entry and taxation on exit for an RRSP, neither for a TFSA, partial annual taxation for a regular account.
An amount, a horizon, a return, and your marginal tax rate.
The marginal rate is assumed identical today and at withdrawal, which is rarely true and shifts the RRSP/TFSA trade-off. Benefit clawbacks, unused contribution room and individual circumstances are not modelled. Educational content — not tax advice.
TFSA, RRSP, FHSA and asset location: identical across Canada. Capital gains tax, however, depends on your province.
Tax reference points — combined marginal rates for the 2025 tax year, excluding personal credits. This is not personalized tax advice: validate your situation with a tax specialist.
DCA, FIRE, age-based allocation, rebalancing: the Long-term strategies guide explains when and why to use each of these tools.
These simulators use a constant return to visualize the effect of time and regularity. Real returns vary — these are educational tools, not promises. Polaris is not a registered investment adviser (AMF).