Guide

The TFSA

The Tax-Free Savings Account is one of the most flexible tools a Canadian saver has. These pages walk through contribution room, the tax treatment of US dividends inside a TFSA, and tools to plan around it. Educational only — not advice.

Showing 26 of 26

Type	Name	What it explores
Portfolio	All Weather (Canada)	Risk parity built from Canadian-listed ETFs.
Portfolio	Ben Felix Five-Factor	A factor-tilted portfolio built around small-cap and value.
Portfolio	Canadian 3-Fund (Bogleheads)	A three-ETF couch-potato portfolio for Canadians.
Portfolio	Golden Butterfly (Canada)	The Golden Butterfly with CAD-listed ETFs.
Portfolio	Permanent Portfolio (Canada)	The four-way split with CAD-listed ETFs.
Strategy	TQQQ-Cash (Canada)	The leveraged rotation, Canadian-listed.
Calculator	All-in-One ETF Comparison	XEQT, VEQT, VGRO and the other one-ticket ETFs, backtested side by side — returns, drawdown and fees.
Calculator	Compound Interest Calculator	Watch a lump sum plus monthly contributions grow — in future and today's dollars, with years-to-$100k milestones.
Calculator	FHSA Optimizer	Project FHSA contributions, tax savings, and growth.
Calculator	Mortgage Prepay vs Invest Calculator	Pay down the mortgage or invest? After-tax, with the break-even return and Monte Carlo odds.
Calculator	Rent vs Buy Calculator	Buy versus rent-and-invest, with the break-even year.
Calculator	Retirement Calculator	Model retirement income and drawdown in today's dollars.
Calculator	Retirement Savings Calculator	Size how much to save each month to hit your number.
Calculator	TFSA Contribution Room Calculator	Estimate your available TFSA room for 2026 — no CRA login, using the official limits back to 2009.
Calculator	Take-Home Pay Calculator	Turn a salary into your real paycheque after tax, CPP, CPP2 and EI — every province, using Canada's 2026 payroll rules.
Guide	The FHSA guide	First-home savings: the limits, the deadline, the double tax break, and FHSA vs RRSP vs TFSA.
Article	2026 Tax Brackets in Canada: Federal + Provincial	Canada's 2026 federal and provincial tax brackets in plain language — plus the marginal-vs-average rate gap that trips most people up.
Article	Average RRSP Savings by Age in Canada (StatCan)	How much do Canadians have in their RRSP by age? Statistics Canada figures on median RRSP contributions and retirement savings, broken down by age group.
Article	FHSA Explained: 2026 Limits, Deadline & Rules	The FHSA explained for Canadians: how it works, the $8,000/$40,000 limits, the December 31 deadline, the double tax break, and FHSA vs RRSP vs TFSA.
Article	FHSA vs RRSP vs TFSA for a Down Payment (Canada)	How the FHSA, RRSP Home Buyers' Plan, and TFSA compare for a down payment in Canada — the refund, the repayment catch, and a common order to fill them first.
Article	How Is a Bonus Taxed in Canada? Killing the Myth	No, your bonus isn't taxed at a higher rate. Why so much gets withheld from a Canadian bonus cheque — and how it sorts itself out at tax time.
Article	How Much Retirement Savings by Age in Canada?	How much should you have saved for retirement by 30, 40, 50 and 60 in Canada? The common rule-of-thumb benchmarks, what they assume, and how to find your number.
Article	Salary vs Dividends for Incorporated Canadians	How incorporated Canadians pay themselves in 2026 — salary, dividends, or a mix. Why the tax is usually a wash, and what actually decides it: RRSP room and CPP.
Article	Self-Employed in Canada: How Much Tax to Set Aside	Self-employed in Canada? How much of every payment to set aside for taxes in 2026 — income tax, the full CPP bill, GST/HST, and the instalment trap.
Article	TFSA Contribution Room 2026: Limits & History	The 2026 TFSA limit is $7,000 — cumulative room is $109,000 if you've been eligible since 2009. See the full limit history by year and how to check your room.
Article	US ETF Withholding Tax in Canada: VFV vs VOO	How the 15% US withholding tax hits VFV vs VOO across your RRSP, TFSA and non-registered accounts, and where the CAD-hedged VSP actually fits.