Registered-account calculators
Five engines that mirror the CRA's math — the same ones running inside Looniee. Enter what you've already done; each one shows its work.
TFSA · Tax-Free Savings Account
Every year's limit since you turned 18, minus what you've put in, plus what your withdrawals put back on January 1.
FHSA · First Home Savings Account
Room stacks to a $40,000 lifetime cap, carry-forward is capped at one year, and a 15-year clock starts the day you open the account.
RRSP · Registered Retirement Savings Plan
New room is 18% of last year's earned income, capped at $33,810 for 2026. Contribute, then see the refund at your marginal rate.
RESP · Registered Education Savings Plan
Ottawa matches 20% of the first $2,500 you contribute each year — $500 a year until the grant room runs out.
HBP · Home Buyers' Plan
Borrow from your own RRSP for a first home, then pay it back over 15 years. Miss a year and the shortfall becomes taxable income.
Informational only — verify your numbers at CRA My Account before contributing.