TFSA vs RRSP Comparator (2026 Canada)

Important: This tool provides general estimates only. It is not personalized financial or tax advice. Always verify your contribution room, tax rates, and limits through CRA My Account. Results depend on many variables and assumptions. Consult a qualified financial advisor or the Canada Revenue Agency.

Compares after-tax value assuming same investments. RRSP gets upfront tax deduction (refund reinvested); withdrawal taxed later. TFSA grows tax-free. Estimates only — not advice. Verify limits with CRA. 2026 TFSA limit: $7,000; RRSP limit: 18% of earned income up to ~$33,810.

Province / Territory (optional - auto-suggests tax rate)

Current Marginal Tax Rate(%)

Expected Marginal Tax Rate in Retirement(%)

Annual Contribution Amount($)

Years Until Retirement/Withdrawal(years)

Expected Annual Return(%)

Ready when you are!

Enter your values to see projected results.

Results update automatically as you type. This is an estimate only.