Skip to content
UpFront Wealth
2026 Tax Year

RRSP vs TFSA Calculator

Which account will leave you with more money? Compare tax refunds, growth, and after-tax withdrawals side by side.

All Tools

2026 RRSP Limit

$33,810

2026 annual maximum; personal limit also reflects pension adjustments and unused room

2026 TFSA Limit

$7,000/yr

Cumulative room since 2009: up to $109,000

Your Details

$
$

2026 limits: RRSP annual max $33,810; TFSA annual $7,000. Check your CRA account for personal room.

%

Illustrative assumption only; future returns are not guaranteed.

$

CPP, OAS, pension, part-time — used to estimate RRSP withdrawal tax

Tax on This Contribution (Federal + Provincial)

Tax saved now

29.2%

RRSP saves $2,042 on this contribution

Tax on withdrawal

25.0%

Tax on withdrawing the projected balance on top of $40,000 of other income

🤝

Know someone who'd find this useful?

Financial literacy is better when shared. Send this to a friend, family member, or anyone who could use a hand with their money.