Real return after taxes and fees

This shows how the different tax rules effect the total return in each type of account for different investment options.

 Quick Pick XIU VCE SU HXS HXT XSB VAB GIC CWO VTI VT VXC VOO JNJ VEA XUS XEF VFV Edit Picks Extra settings

$ Investment Cost
$ Commission

% Gross Div Rate
% Cap Gain Tot Gain
% Interest Rate (ytm)
% Interest Coupon
yrs Bond Term
% Inflation Show on graph
% Dividend Marg Rate
% Marginal Rate
% RRSP Out Avg Rate
% RESP Grant
Years Held

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Type   Graph	NonReg	RRSP	TFSA	RESP	Mer%	Mer
Canadian Domiciled
Canadian Equity
Equity, div->cg
Canadian FI
US Equity
Frgn Equity
US Eq Wrap
Frgn Eq Wrap
World Eq
US Domiciled
US Equity
Foreign Equity
World Eq

Withholding tax rates
% US->Cdn	% Frgn->Cdn	% Frgn->US

Non Reg RRSP TFSA RESP

Portfolio
Sym	Acct	Div%	Mer%	Amt$	Tot$

• There is a forum where you can ask questions here.
• You can pick an instrument from the list, it will use the dividends and mer from the list. It will add back the mer and hidden withholding tax to estimate the gross yield on the index. You should only read the values in the highlighted row.
• Dividend rate should be what you expect the gross dividend yield on the asset to be in the future.
• The dividend rate affects equity and interest rate is for bonds.
• If you select Tot Gain, then the program will adjust capital gains internally to Tot Gain - Dividends.
• Interest rate is average yield to maturity.
• Interest coupon is the actual coupon or weighted average.
• Bond term is so I can calculate the price for capital gains, not how long you invest for.
• Cap gains marginal rate is hardcoded to 50% of marginal rate.
• The graph and app shows everything adjusted for inflation. If you'd like to see inflation on the graph, check the box.
• The names on the graph are abbreviations, to expand them click here Show Names
• Withholding tax is an estimate based on recent distribution reports, change them if needed.
• Any dividends just get added to cap gains for the re-characterized etfs.
• RESP withdrawals are assumed to have a 0% marginal rate.
• This is a HTML5 offline web app. It should work offline. To update, you click refresh.
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• Version 1.60