Registered Account Comparison

Code

viewof pre_tax_savings = Inputs.number(
  [0, 200000000],
  {value: 40000, step: 500, label: "Pre-tax Savings:"}
);

viewof RRSP_match = Inputs.range(
  [0, 1],
  {value: 0, step: .01, label: "RRSP Match:"}
);

viewof max_RRSP_match = Inputs.number(
  [0, 100000],
  {value: 100000, step: 100, label: "Max RRSP Match"}
);

viewof RESP_match = Inputs.number(
  [0, 1],
  {value: .2, step: .01, label: "RESP Match:"}
);

viewof max_RESP_match = Inputs.number(
  [0, 100000],
  {value: 7200, step: 100, label: "Max RESP Match:"}
);

viewof annual_return = Inputs.range(
  [0, 2],
  {value: .07, step: .005, label: "Annual Return:"}
);

viewof years = Inputs.range(
  [1, 100],
  {value: 10, step: 1, label: "Years Invested:"}
);

viewof current_tax = Inputs.range(
  [0, 1],
  {value: .3, step: .01, label: "Current Income Tax Rate:"}
);

viewof future_tax = Inputs.range(
  [0, 1],
  {value: .3, step: .01, label: "Future Income Tax Rate:"}
);

viewof ben_future_tax = Inputs.range(
  [0, 1],
  {value: 0, step: .01, label: "Beneficiary's Future Income Tax Rate:"}
);

Final
By Year

Code

html`<style>svg { font-size: 12px !important }`

Code

Plot.plot({
  x: {
    grid: false,
    label: "Account",
  },
  marks: [
    Plot.axisY({label: null, ticks: 0}),
    Plot.barY(line_data, Plot.selectLast({x: "account", y: "value", fill: "account"})),
    Plot.text(
      line_data, 
      Plot.selectLast({
        x: "account", 
        y: "value",
        z: "account",
        text: (d) => (
          d.value.toLocaleString("en-US", {style: "currency", currency: "USD" })
        ),
        dy: -6,
        lineAnchor: "bottom"
      })
    ),
  ],
})

Code

Plot.plot({
  y: {
    grid: true,
    label: "Account Value",
  },
  x: {
    grid: false,
    label: "Year",
  },
  color: {legend: true},
  marks: [
    Plot.axisX({ticks: d3.min([years, 15]), tickFormat: (year) => year.toFixed(0)}),
    Plot.line(line_data, { x: "year", y: "value", stroke: "account" }),
    Plot.text(line_data, Plot.selectLast({
      x: "year",
      y: "value",
      z: "account",
      text: (d) => d.value.toLocaleString("en-US", { style: "currency", currency: "USD" }),
      dy: -6,
      dx: -25
    }))
  ],
})

Code

line_data = {
  // Deposit
  let current_year = new Date().getFullYear()
  let Taxable = (pre_tax_savings * (1 - current_tax))
  let TFSA = (pre_tax_savings * (1 - current_tax))
  let RRSP = (pre_tax_savings) + d3.min([pre_tax_savings * RRSP_match, max_RRSP_match])
  let RESP = (pre_tax_savings * (1 - current_tax)) + d3.min([pre_tax_savings * RESP_match, max_RESP_match])
  let FHSA = (pre_tax_savings)
  let temp = [
    {year: current_year, account: "Taxable", value: Taxable},
    {year: current_year, account: "TFSA", value: TFSA},
    {year: current_year, account: "RRSP", value: RRSP},
    {year: current_year, account: "RESP", value: RESP},
    {year: current_year, account: "FHSA", value: FHSA},
  ];

  // Grow
  for (var i = 1; i < years; i++) {
    Taxable = Taxable * (1 + annual_return)
    TFSA = TFSA * (1 + annual_return)
    RRSP = RRSP * (1 + annual_return)
    RESP = RESP * (1 + annual_return)
    FHSA = FHSA  * (1 + annual_return)
    temp.push({year: current_year + i, account: "Taxable", value: Taxable})
    temp.push({year: current_year + i, account: "TFSA", value: TFSA})
    temp.push({year: current_year + i, account: "RRSP", value: RRSP})
    temp.push({year: current_year + i, account: "RESP", value: RESP})
    temp.push({year: current_year + i, account: "FHSA", value: FHSA})
  }

  // Withdraw
  Taxable = Taxable * (1 + annual_return)
  Taxable = Taxable - (Taxable - pre_tax_savings * (1 - current_tax)) * .5 * future_tax
  TFSA = TFSA * (1 + annual_return)
  RRSP = RRSP * (1 + annual_return) * (1 - future_tax)
  RESP = RESP * (1 + annual_return) * (1 - ben_future_tax)
  FHSA = FHSA  * (1 + annual_return)
  temp.push({year: current_year + years, account: "Taxable", value: Taxable})
  temp.push({year: current_year + years, account: "TFSA", value: TFSA})
  temp.push({year: current_year + years, account: "RRSP", value: RRSP})
  temp.push({year: current_year + years, account: "RESP", value: RESP})
  temp.push({year: current_year + years, account: "FHSA", value: FHSA})
  return temp
}