Free RRSP, TFSA & FHSA tools for Canada

Estimate your RRSP tax refund, TFSA contribution room, and FHSA room. Check Canadian tax brackets—all free.

Use for free

RRSP, TFSA & FHSA tools

Free Canadian RRSP, TFSA, and FHSA tools. Estimate tax refund and contribution room.

RRSP

Estimate RRSP tax refund and contribution impact

Use for free

TFSA

TFSA contribution room and limits by year

Use for free

FHSA

First Home Savings Account room and $40k lifetime limit

Use for free
View all tools

Frequently asked questions

Planwise is a free Canadian financial planning site with RRSP, TFSA, and FHSA calculators, an income tax calculator, and Canadian federal and provincial tax brackets by year and province.
Yes. All tools—RRSP refund, TFSA room, FHSA room, income tax, and tax brackets—are free to use with no sign-up required.
TFSA contributions are after-tax and withdrawals are tax-free; RRSP contributions are tax-deductible and withdrawals are taxable. TFSA is more flexible for short-term savings; RRSP often suits higher earners who want a tax refund and expect a lower tax rate in retirement.
The First Home Savings Account (FHSA) is a Canadian registered account for first-time home buyers. You can contribute up to $8,000 per year and $40,000 lifetime; contributions are tax-deductible and withdrawals for a qualifying first home are tax-free. Use our FHSA calculator to track your room.