Savings

Savings: shelter it and make it grow

Once money's coming in, the next question is where to keep it. These pages explore Canada's tax-sheltered accounts — the TFSA, FHSA and RRSP — how much you need for retirement, and where to park cash you'll need before then. Educational only.

Showing 12 of 12

Type	Name	What it explores
Calculator	FHSA Optimizer	Project FHSA contributions, tax savings, and growth.
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.
Guide	Retirement & RRSPs	RRSPs and FHSAs, how much to aim for by age, and turning savings into income.
Guide	The FHSA guide	First-home savings: the limits, the deadline, the double tax break, and FHSA vs RRSP vs TFSA.
Guide	The TFSA guide	Contribution room, the tax rules, and how to use a TFSA.
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 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	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.