One total, every institution
Add a Wealthsimple TFSA and an RBC TFSA. Canuity adds up the real number.
Did you already go over?
The CRA doesn't warn you before the 1%/month penalty, only after. Check your real TFSA, FHSA, RRSP and RESP room across every bank and brokerage before you contribute again.
STATEMENT OF CONTRIBUTION ROOM
AVAILABLE ROOM
$23,500
HEALTHY
12% of total room used$3,200 of $26,700
WealthsimpleTFSA$30,000
RBCTFSA$18,500
Sample data. Your real numbers stay in your browser.
Here's what "1% a month" actually costs.
Go $2,000 over your TFSA limit and don't notice for four months (which is normal, since the CRA usually doesn't flag it until the following spring) and you owe $80, charged automatically, with no warning first. Miss it for a year and it's $240.
OVERCONTRIBUTION EXAMPLE
Amount over limit$2,000
Penalty rate1% / month
Months unnoticed× 4
Owed to CRA$80.00
No bank logins. Nothing to breach.
Canuity never asks for banking credentials. You type in the numbers from your own statements, and everything (every account, every transaction) stays in your browser's local storage. There's no account to hack because there's no account.
Your accounts & balances✓ IN YOUR BROWSER
Sent to Canuity's serversNEVER
Shared with your bankNEVER
What it checks, every time you log a contribution.
Every CRA rule, already in
Jan 1 resets, HBP repayment, FHSA carry-forward, CESG matching: handled automatically.
Warned before you go over
Set up recurring contributions and get flagged the month before you'd trigger the penalty.
Your data, portable
Export a backup file any time. Move devices without losing your history.
Four accounts. Every rule already in the math.
| Account | Annual limit | Lifetime cap | Carry-forward | Key rule | |
|---|---|---|---|---|---|
| TFSATax-Free Savings | $7,000 | — | Yes, since 2009 | Withdrawals restore room the following Jan 1. | Set up → |
| FHSAFirst Home Savings | $8,000 | $40,000 | Up to $8,000 | Must be closed within 15 years or by age 71. | Set up → |
| RRSPRetirement Savings | 18% of income | — | Yes, indefinite | First 60 days count toward the prior tax year. | Set up → |
| RESPEducation Savings | — | $50,000 / child | N/A | 20% CESG match, up to $500/yr per child. | Set up → |
Do the math before you move money.
Three lines. Filled once.
1
Select the accounts you hold
TFSA, FHSA, RRSP, RESP. Start with one and add the rest later.
2
Enter your room from your Notice of Assessment
That figure becomes the anchor Canuity calculates forward from. No NOA yet? Estimate TFSA room from your birth year instead.
3
Log contributions, or schedule recurring ones
Your available room updates instantly, and you're warned before any account runs out.
Ready to find out where you actually stand?
Free, private, and it works entirely in your browser.
Check your room →