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Savings & retirement
Explore registered accounts and public retirement benefits.
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Open calculator →Registered Retirement Savings Plan (RRSP)What could a Registered Retirement Savings Plan (RRSP) contribution change?
Open calculator →First Home Savings Account (FHSA)How could a First Home Savings Account (FHSA) help my first-home plan?
Open calculator →Tax-Free Savings Account (TFSA)How could my Tax-Free Savings Account (TFSA) balance grow?
Open calculator →Canada Pension Plan (CPP) / Quebec Pension Plan (QPP)How could my start age affect my public pension?
Open calculator →Old Age Security (OAS) / Guaranteed Income Supplement (GIS)What public retirement benefits might apply?
Open calculator →How much Tax-Free Savings Account room might I have?
Open calculator →Registered Retirement Savings Plan at RetirementWhat retirement income could my savings support?
Open calculator →Registered Retirement Savings Plan vs Tax-Free Savings AccountWhich account could leave me with more after tax?
Open calculator →Group Retirement Savings Plan MatchWhat is my employer match worth over time?
Open calculator →Financial Independence, Retire EarlyAm I on track for financial independence?
Open calculator →Emergency FundHow much emergency savings should I target?
Open calculator →Debt Payoff PlannerWhen could I become debt-free?
Open calculator →Key terms
Understand savings & retirement
How do a Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA), and First Home Savings Account (FHSA) differ?+
Registered Retirement Savings Plan contributions may be deductible and withdrawals are generally taxable. Tax-Free Savings Account contributions are not deductible and eligible withdrawals are tax-free. First Home Savings Account contributions may be deductible and qualifying first-home withdrawals can be tax-free.
What does tax-deferred growth mean?+
Investment growth is not taxed while it remains in the account, but withdrawals may be taxable later. Tax-free growth generally means eligible withdrawals are not taxed.
Is an assumed investment return guaranteed?+
No. It is a planning assumption. Actual returns fluctuate and fees, inflation, taxes and contribution timing can materially change the outcome.
How do the Canada Pension Plan (CPP) or Quebec Pension Plan (QPP), Old Age Security (OAS), and Guaranteed Income Supplement (GIS) fit together?+
The Canada Pension Plan or Quebec Pension Plan is tied mainly to contribution history. Old Age Security is age- and residency-based and may be recovered at higher incomes. The Guaranteed Income Supplement is an income-tested supplement for eligible low-income Old Age Security recipients.