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.
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).
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.
Dollar Cost Averaging smooths the timing: you buy more shares when prices drop, fewer when they rise. A proven approach for long-term investors.
Constant simulated return (V1). V2: Monte Carlo simulation with real market volatility. Polaris is not an investment advisor (AMF).
1000 simulated paths with random normal(μ, σ) returns. You see a realistic range (p10–p90) instead of a false exact figure.
More runs = more precise but slower. 1000 = good compromise.
Historical S&P 500 volatility: 15–18%/yr. Normal distribution = simplification (fatter tails in reality). Educational only.
Your financial-independence “number”, and the horizon to reach it given your savings rate.
The 4% rule (Bengen, Trinity Study). FIRE = Financial Independence, Retire Early — capital = 25× your annual spending.
You'll be able to withdraw 3 333 $/month without touching your capital (at the 4% rate).
Bring your weights back to target — the calculator tells you what to buy and sell, or how to get there with new deposits alone.
Without adding capital, compute the trades to return to your target allocation. Does not account for fees or taxes (consider manually).
| Asset | Value | Target % | |
|---|---|---|---|
| % | |||
| % | |||
| % | |||
| % | |||
| 100 000 $ | 100% |
Rebalancing recommended: here are the trades to execute.
TFSA, RRSP, non-registered: where to put what, and what it changes after tax.
TFSA, RRSP, FHSA, asset location and capital gains tax — tailored to Quebec.
Tax reference points (ref. ~2025-2026), 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).