The math.
Look back at what a real investment did, project a monthly DCA, shelter the result in a TFSA or RRSP, and count the years to financial independence.
Look back at what a real investment did, project a monthly DCA, shelter the result in a TFSA or RRSP, and count the years to financial independence.
These calculators use simplified assumptions for illustration. They cover the core math and leave out fees, taxes, inflation, and the full shape of market volatility.
Past performance is not a forecast. The Lookback tells you what was; the other three ask you to assume a future return rate. Reasonable assumptions still produce wide ranges: change a 7% input to 5% and watch what happens.
None of this is financial advice. It’s arithmetic on one ETF. Your situation, taxes, and risk tolerance are your own to weigh.
The number that matters is yours.
The lookback tells you what was. The other three ask what you’ll assume.