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RRSP & TFSA Wealth & Tax Calculator 2026

Built specifically for Canadians. Includes your real cumulative TFSA room since 2009 (not just this year's $7,000), CRA tax refund estimate on RRSP contributions, RRSP-to-RRIF mandatory conversion at age 71, and growth charts — all in CAD.

📋 Your Snapshot
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🏛️ Combined Federal + Provincial Marginal Tax Rate

Your combined rate depends on your province — Ontario, Alberta, and Quebec, for example, all have different combined federal + provincial brackets. Use your own tax return or a bracket table for your province for the most accurate figure.

💰 RRSP Contribution Strategy
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2026 RRSP room: the lesser of 18% of last year's earned income, or $33,810, plus any unused room carried forward from prior years. Contributions are only allowed through December 31 of the year you turn 71 — after that, your RRSP must convert to a RRIF (see the conversion estimator in your results).
🍁 TFSA Contribution Strategy
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Your Real TFSA Room Available Now
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The TFSA has accumulated new room every year since 2009 — not just this year's $7,000. This is your actual available room today, based on when you turned 18 and what you've already contributed.

📈 Market Assumptions

How to Use This Calculator

  1. Enter your age, retirement age, and annual income — your RRSP room is based on 18% of earned income.
  2. Enter your combined marginal tax rate, both today and what you expect in retirement — this powers your CRA refund estimate and after-tax RRSP value.
  3. Set your RRSP contribution and any unused carry-forward room from prior years.
  4. Set your TFSA contribution and the year you turned 18 — the calculator automatically works out your real cumulative TFSA room since 2009, not just this year's limit.
  5. Set your expected investment return.
  6. Check your results — your CRA refund estimate, RRSP and TFSA maturity values, the RRSP-to-RRIF conversion estimate at age 71, and the full year-by-year schedule.
  7. Export — download a PDF summary or an Excel file with the full projection.

Want the full explanation? RRSP vs. TFSA mechanics, understanding your real TFSA room since 2009, the RRSP 18% rule, the RRSP-to-RRIF conversion at 71, and the Home Buyers' Plan & FHSA are all covered in depth in our RRSP & TFSA Calculator Guide 2026.

This calculator provides estimates for general informational purposes only and is not financial, tax, or legal advice. Contribution limits, tax rates, and RRIF withdrawal factors reflect published 2026 CRA figures and may change — verify current numbers with the Canada Revenue Agency or a licensed financial advisor before relying on them. Last updated: July 2026.