Know exactly how much room you have in your registered accounts.
Track TFSA, FHSA, and RRSP contribution limits across all your financial institutions - Wealthsimple, Questrade, and your bank - in one place. Know exactly where you stand, without the guesswork.
Available room
$23,500
HealthyYour accounts
Sample data for illustration - your real data stays private in your browser.
Core Capabilities
Built for the details the CRA cares about.
One view across all your institutions.
Hold a TFSA at Wealthsimple and another at RBC? Add both. Canuity consolidates your total contribution room across every institution without requiring API access to any of them - no bank logins, no OAuth, just your numbers in one place.
Free, private, no account needed.
Works entirely in your browser. No registration, no subscription, no data leaving your device. Optional Cloud sync to access on multiple device access is on the roadmap.
Warned before you over-contribute.
Set up recurring contributions and Canuity forecasts when you'll hit your limit - flagging the projected month before CRA's 1%/month penalty applies.
At your current recurring rate, your TFSA room will be exceeded around November 2026 (~3 months).
CRA tax rules built in, not bolted on.
TFSA withdrawal room restored Jan 1. RRSP first-60-days window. HBP repayment schedules. FHSA annual carry-forward. Every rule is enforced automatically so you never have to look it up.
Supported Accounts
Three account types. Every CRA rule handled.
TFSA
Tax-Free Savings Account
Track cumulative contribution room from 2009 and never accidentally over-contribute again.
Annual room accumulates each January 1 based on your birth year and CRA limits.
Withdrawals restore as new room on January 1 of the following year.
Tracks room across multiple TFSA accounts at different institutions.
Reconciles your anchor against your CRA Notice of Assessment figures.
FHSA
First Home Savings Account
Stay within the $8,000 annual and $40,000 lifetime contribution ceilings as you save for your first home.
$8,000 annual contribution limit with up to $8,000 carry-forward from prior years.
$40,000 lifetime contribution ceiling enforced automatically.
Tracks qualifying home purchase withdrawals separately from regular withdrawals.
Account opened date recorded to correctly compute eligible room.
RRSP
Registered Retirement Savings Plan
Sync from your CRA Notice of Assessment deduction limit and track contributions against both the annual limit and HBP repayment obligations.
Deduction limit anchored to your most recent CRA Notice of Assessment.
Contributions made in the first 60 days of the year attributed to the prior tax year.
Home Buyers' Plan (HBP) loan withdrawal and annual repayment schedule tracked separately.
Supports multiple RRSP accounts including employer group plans.
How It Works
Set up in three steps.
01
Select the accounts you hold.
Choose from TFSA, FHSA, and RRSP. You can set up one account type now and add others later from your dashboard.
02
Enter your current room from your Notice of Assessment.
Input the contribution room or deduction limit from your most recent CRA Notice of Assessment as an anchor. Canuity uses this as the baseline and calculates forward from there. If you don't have your NOA, Canuity can estimate your TFSA room from your birth year.
03
Log transactions or set up recurring contributions.
Record deposits and withdrawals manually, or configure scheduled recurring contributions. Your available room updates in real time across all accounts. You'll see a warning before any account approaches its limit.
Privacy & Data Ownership
You own your data. Completely.
Canuity requires no account registration and has no central servers or database. All financial data you enter is saved directly in your web browser and stays strictly on your device.
There is no telemetry, no analytics tracking, and no data transmitted to any server. If you clear your browsing data, your saved information is deleted from your device. No cloud backups or servers are involved.
For anyone who wants their data on both phone and computer, optional cloud sync is on the roadmap. It will be off by default, and nothing leaves your device unless you explicitly enable it.
Portable data: export and import your profile at any time.
Export profile
Download a complete backup file of all your accounts, transactions, and recurring schedules. Use it to move your data between devices.
Import profile
Load a saved backup file to instantly restore your data on a new device or browser. No account required.
Full data control
Your backups use a standard open file format. You fully own your data with no vendor lock-in or proprietary formats.