TFSA Compounding Calculator

Monthly ETF contributions, then as many withdrawals as you need. See how long the money lasts.

Contributions

Monthly contribution (R)

Contribution period (auto, until cap is reached)

Expected annual return (%)

Lifetime contribution cap (R)

Your age at first contribution

Withdrawals

Years are counted from your first contribution. A once-off is taken at the end of its year. A monthly withdrawal starts the month after its "from" year and runs to its "to" year, or until the money runs out if "to" is blank.

Result

Balance when withdrawals begin

Money lasts

Total contributed

Total withdrawn

Cap reached in month

Balance at year 100

Year-by-year breakdown (up to 100 years)

Year	Contributed	Withdrawn	Balance

Assumes contributions and withdrawals are made monthly, a constant annual return, and no fees, taxes or inflation. ETF fees reduce real returns, and 12% a year is optimistic for equities. Withdrawals do not rise with inflation, so real spending power falls over time.