[Saltar al contenido]

Don't Delay Your Savings Calculator! (Canadian)

Get a Don't Delay Your Savings Calculator! (Canadian) branded for your website! Colorful, interactive, simply The Best Financial Calculators!
Waiting to begin your savings plan may have an important impact on your results. A delay of even a few years could cost thousands of dollars. This calculator helps show you how much postponing your savings plan may really cost.

Don't Delay Your Savings Calculator! (Canadian) Definitions

Importe inicial
El saldo inicial o el monto actual que ha invertido o ahorrado. For this calculator, we assume your current savings is earning your annual rate of return whether you decide to delay your new contributions or not. For example, if you have a current balance of $1000 and never make any new contributions, your delayed and non-delayed results will be the same.
Contribuciones adicionales
El monto que planea agregar a su cuenta de ahorro o inversiones en cada período. The options include monthly, quarterly and annually. Esta calculadora asume que usted hace sus contribuciones al comienzo de cada período.
Años
The total number of years you are planning to save or invest.
Tasa de retorno
The annual rate of return for this investment or savings account. The actual rate of return is largely dependent on the type of investments you select. For example, the total return including dividends of the S&P/TSX Composite Index for the 10 year period from December 31, 2011 through December 31, 2021 was 8.9% (source spindices.com). Savings accounts at a bank or credit union may pay as little as 2% or less. It is important to remember that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido.
Years to postpone saving
The number of years you might wait before you begin saving. We will then delay your new contributions for that number of years.
Periodicidad de las contribuciones
La frecuencia con la que realiza contribuciones a su cuenta. The options include monthly, quarterly and annually. Esta calculadora asume que usted hace sus contribuciones al comienzo de cada período.
Cost of waiting
The difference in your savings or investment balance between your delayed and non-delayed plans. All returns and total savings are before tax.