Registered account calculators
Canada's registered accounts each have a limit, a carry-forward rule and a penalty for getting either wrong. These calculators apply the CRA and ESDC rules to your own numbers, show the working line by line, and link the page each figure came from.
FHSA room
See how much First Home Savings Account room you have this year, including carry-forward and the tax you save.
TFSA room
Add up every annual limit since you were eligible, subtract what you put in, and see the room you really have.
RRSP limit
Work out your RRSP deduction limit from last year's earnings, your pension adjustment and unused room.
RESP grant (CESG)
See how much Canada Education Savings Grant you can collect this year and how a catch-up contribution changes it.
Home Buyers' Plan
Get your Home Buyers' Plan repayment schedule, the first year you repay and what a missed repayment adds to income.
RRIF minimum
Find the minimum you must take from your RRIF this year, and how it grows as you age.
RRSP tax refund
See how much tax an RRSP contribution saves at your income, province and Ontario's surtax.
RRSP vs TFSA
Compare the same after-tax cost in an RRSP and a TFSA, with the refund, growth and tax on withdrawal worked out on the 2026 brackets.
RRSP vs mortgage
Compare prepaying your mortgage, contributing to an RRSP, and doing both with the refund, for the same after-tax cost each year.
How to choose the right tool
Pick by account. The TFSA room calculator works out how much room you have from your birth year and past withdrawals; the RRSP limit calculator finds your deduction limit from earned income; the FHSA calculator tracks the new first home savings account with its carry-forward; the RESP and CESG calculator shows the government grant on a child's savings; the Home Buyers' Plan calculator shows a withdrawal and its repayment; and the RRIF minimum withdrawal calculator shows what must come out each year. To compare choices, use RRSP vs TFSA, RRSP vs mortgage and the RRSP tax refund calculator.
Accuracy, sources and privacy
Contribution limits, the 18% earned income rule, the FHSA's $8,000 annual and $40,000 lifetime limits, and the RRIF minimum factors come from the CRA and are stamped with their check date; each one can be edited if a limit changes. The calculators do not know your actual contribution history, so check your CRA My Account before you contribute: over-contributions can be taxed. Every rate-based tool shows where its figures come from and the date they were last checked, and lets you type your own rate if a figure has changed or you want to try another year. Everything on these pages runs in your browser. What you type is not sent to a server, not stored by us and not added to the web address.
Questions about registered accounts
How much can I put in a TFSA?
The annual limit is $7,000 for 2024 to 2026, and unused room carries forward. The calculator adds up your room from the year you turned 18 or became a resident, less your withdrawals.
What is the FHSA?
The First Home Savings Account lets a first-time buyer save $8,000 a year, up to $40,000, with a tax deduction like an RRSP and tax-free withdrawals for a qualifying home.
Where do I find my real contribution room?
On your CRA My Account and your Notice of Assessment. A calculator can estimate, but the CRA's figure is the one that counts.
Can I use a different rate or limit?
Yes. Each tool has a panel where you can type your own figure, for another year or a limit that has been announced but not published here yet.
Guides for this section
- FHSA vs RRSP vs TFSA when saving for a first homeHow the three accounts differ on deductions, withdrawals and room, and what each means for a first-home down payment.
- The RRSP withholding trap: one cent can cost you hundredsThe rate applies to the whole withdrawal, not the slice above the bracket. Crossing $5,000 by a cent costs real money.
Questions about registered accounts
How much can I put in a TFSA?
The annual limit is $7,000 for 2024 to 2026, and unused room carries forward. The calculator adds up your room from the year you turned 18 or became a resident, less your withdrawals.
What is the FHSA?
The First Home Savings Account lets a first-time buyer save $8,000 a year, up to $40,000, with a tax deduction like an RRSP and tax-free withdrawals for a qualifying home.
Where do I find my real contribution room?
On your CRA My Account and your Notice of Assessment. A calculator can estimate, but the CRA's figure is the one that counts.
Can I use a different rate or limit?
Yes. Each tool has a panel where you can type your own figure, for another year or a limit that has been announced but not published here yet.
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