📈 RRSP/TFSA 2026
RRSP / TFSA / FHSA Calculator 2026
Compare RRSP, TFSA and FHSA — find the best account for your Ontario tax situation in 2026.
Your Profile
Your marginal rate: —
RRSP
Tax Refund Now
—
Projected Value
—
After-Tax at Withdrawal
—
TFSA
Tax Refund Now
Projected Value
—
Tax-Free at Withdrawal
—
FHSA
Tax Refund Now
—
Projected Value
—
Tax-Free (home purchase)
—
Frequently Asked Questions
Should I use RRSP or TFSA?
If your marginal tax rate now is higher than your expected retirement rate, RRSP wins. If you expect similar or higher income in retirement, TFSA is often better. Many Ontarians benefit from maximizing TFSA first until income exceeds ~$53,891.
What is the FHSA?
The First Home Savings Account (FHSA) combines RRSP deductibility with TFSA tax-free withdrawal for a qualifying first home purchase. You can contribute $8,000/year up to $40,000 lifetime. Unused room carries forward one year.