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Investment Calculator

This calculator compares what happens when dues money is given to the union versus investing that same dues money in an investment account of your choice.

At first glance, union dues may not seem that unreasonable. That is, until you start to add them up month after month, and year after year. Then, it becomes a lot more money than you may think. Especially when you add to the dues money already paid, the returns you could have earned by putting your money into an investment for the future. As you will see, this money could go a long way towards your mortgage, children's education, retirement, etc.

Take a look at how much you could have earned over the years if you, instead of paying union dues, invested that money in an investment account. Simply answer the questions on the left and watch your dollars add up on the far right.

Fill in the boxes below.

Enter Annual Dues:

(no commas or dollar signs please)

Enter Your Current Age:

Enter Your Planned Retirement Age:

Select Investment Rate of Return:

Years Until Your Retirement:
Your Potential Return on Investment (ROI)
# of Years
Union Dues
(spent by the union)
Dues Amount
(invested + total return)
Assumes dues paid monthly are invested monthly.
Investment rate of return is compounded monthly.
Informed Employees | Informed Choices
Federal or Province

In most cases you will select the province where you work.

However, select "Federal and Territories", if any of the following apply:

  • You live in Northwest Territories, Nunavut or Yukon.
  • You work as a federal civil servant anywhere in Canada.
  • You work in one of the following industries:
    • airports or air transportation
    • broadcasting - radio, television or cable television
    • telecommunications
    • banking
    • fisheries (but only if your business relates to the protection and preservation of fisheries as a natural resource)
    • shipping and navigation (including loading and unloading vessels)
    • grain handling
    • uranium mining and processing
    • certain federal crown agencies
  • You work in one of the following industries AND (a) your activities connect one province to another OR (b) extend beyond the limit of one province:
    • air transport
    • canals
    • ferries, tunnels and bridges
    • highway transport of good or passengers
    • railway transport of goods or passengers