CI Investments Logo

Cost of Waiting

Use this calculator to see the cost
of waiting to invest.

Initial savings
Annual savings
Years of growth
Years delayed
Rate of return
Net Family Income

Your adjusted net family income is used to calculate an additional CESG grant amount where applicable.
Annual RESP Contribution

There is no annual RESP contribution limit but there is a lifetime maximum limit of $50,000.
Input Error: Years delayed

You cannot enter a value greater than years of growth.
Input Error: Rate of return

The maximum rate of return you can enter is 15.00%.
Investment Value in 18 Years
Start Now
Wait 5 Years
Cost of Waiting

Print  PDF

Annual savings are deposited at the end of each year. Investment growth is tax-deferred.

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 Investments and the CI Investments design are registered trademarks of CI Investments Inc.