Free Canadian Registered Account Calculators
Instant, accurate room calculations based on official Canada Revenue Agency tax rules. All calculations run strictly in your browser. No sign-up, no bank passwords, and no data leaves your device.
Calculation Tools
Select a calculator to determine your contribution room
TFSA
2026 Limits ($7,000)
TFSA Contribution Room Calculator
Find out your exact allowable TFSA room in seconds. Computes cumulative room based on your birth year or Canadian tax residency arrival year, minus lifetime deposits.
Key Capabilities
- Calculates cumulative room since 2009 ($109,000 max)
- Handles newcomer & residency arrival years
- Queues pending room from current-year withdrawals
- Full year-by-year statutory limit schedule
RRSP Room
NOA & Earned Income
RRSP Deduction Room & HBP Calculator
Calculate your allowable RRSP deduction headroom. Accumulate room across past working years using the CRA 18% earned income formula, or enter your official Notice of Assessment figures.
Key Capabilities
- Accumulate room from annual income history (1970–2026)
- NOA Line A (Limit) vs Line B (Unused) decrypter
- $2,000 cumulative lifetime overcontribution buffer gauge
- Home Buyers' Plan (HBP) 15-year repayment schedule
RRSP Refund
Marginal Tax Brackets
RRSP Tax Refund & Savings Calculator
Estimate your combined federal and provincial tax refund, marginal tax bracket, and net out-of-pocket cost for your upcoming RRSP contributions across all provinces.
Key Capabilities
- Combined federal & provincial marginal bracket engine
- Immediate tax refund estimate & effective return %
- Real net out-of-pocket cost visualization
- 2026 new room generated (18% / $33,810 cap check)
FHSA
$40,000 Lifetime Cap
FHSA Carry-Forward & Lifetime Cap Calculator
Model your path to homeownership. Calculate your annual deposit ceiling ($8,000/yr), carry-forward headroom (up to $16,000 in a single year), and monitor your 15-year account deadline.
Key Capabilities
- Year-by-year carry-forward projection engine
- Dual gauge for annual limit ($8k) & lifetime cap ($40k)
- 15-year participation timeline and closure deadline
- Qualifying first-home withdrawal requirements
Want to track your room continuously?
These calculators provide a point-in-time calculation. If you hold accounts across multiple institutions like Wealthsimple, Questrade, and RBC, use Canuity's free ongoing trackers to log transactions and automate January 1 rollovers.