Most Canadians are guessing.
RRSP at $85,000 in Ontario saves you $2,850. TFSA saves you nothing today. FHSA gives you both if you're buying a house.
Nobody shows you the math for your actual income. They just say "max your TFSA first" and hope it works out.
This calculator tells you which account saves you the most. Takes 30 seconds.
Four numbers in. One answer out.
Four numbers
Your income, province, age, homebuying or not.
Real CRA rates
Marginal tax rate, exact refund, no rounding.
One answer
Which account wins and by how much.
Enter your numbers. See what you're leaving on the table.
Your details
Your results
RRSP
Registered Retirement Savings Plan
$2,372
tax saved this year
TFSA
Tax-Free Savings Account
$0
tax saved this year
FHSA
First Home Savings Account
Select first home purchase goal
How we got there
Estimate based on 2025 CRA rates. Speak to a fee-only planner for advice specific to your situation.
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