1.What it does. The tool blends the annual returns of seven asset classes in the proportions you choose, rebalanced once a year, to show how that exact mix behaved from 1995 through 2025. It then projects your starting amount plus monthly contributions forward under three scenarios: the medium path uses the expected returns in the assumptions table minus your fee, and the low and high paths subtract or add a spread that scales with how volatile your mix is, so an all-stock or bitcoin-heavy portfolio shows a much wider range than a bond-heavy one. The stress test compounds the same mix through three historical crisis windows, and the copy-link button encodes your settings in the page address at the moment you click it, so you can save or share a mix; the address stays clean during normal use and nothing is stored on any server.

2.Historical data. Canadian stocks use S&P/TSX Composite total returns and bonds use the FTSE Canada Universe Bond Index, both in Canadian dollars. US stocks use S&P 500 total returns, international stocks use MSCI EAFE, and gold and bitcoin use spot prices, all in US dollars, so currency swings that an unhedged Canadian investor would have experienced on those assets are not reflected. Cash uses short-term Government of Canada treasury bill returns. Dividends and interest are treated as reinvested, and the historical chart applies your fee but assumes no taxes or trading costs.

3.Projections. The medium scenario for Canadian stocks (6.3%), US stocks (6.4%), international stocks (6.6%), bonds (3.2%), and cash (2.4%) follows the 2026 Projection Assumption Guidelines published by FP Canada and the Institute of Financial Planning, which also set the 2.1% default inflation rate. These are long-run planning figures, not forecasts, and real-world results will not move in a straight line. Estimated income multiplies the projected value by the blended yield of your mix and is before tax. The simulation view runs 1,000 paths: each simulated year resamples one actual calendar year from 1995 to 2025 for all assets at once, which preserves how the assets really moved together, then shifts that year's portfolio return so the long-run compound average matches your expected-return assumptions minus your fee. The same fixed random sequence is used every time, so identical settings always produce identical results. Target-amount odds count the share of those 1,000 paths at or above your target at the horizon.

4.What it leaves out. Taxes, currency conversion costs, tracking error, behaviour (selling in a crash is the biggest cost most investors ever pay), and rebalancing costs are excluded. Which account you use matters as much as the mix: see the registered account selector for the TFSA, RRSP, and FHSA decision, and the retirement calculator to turn a future balance into sustainable income.

5.Not advice. This is an educational model, not investment advice or a recommendation of any allocation, and not a guarantee of any outcome. Past performance does not predict future results, and bitcoin in particular can lose most of its value. Simulated probabilities describe the model, not the future: the resampled history contains only a few major crises and cannot produce one worse than the worst on record. For a plan built around your situation, speak with a qualified financial professional. See disclosures.