There are now four registered accounts every Canadian needs an opinion on — TFSA, RRSP, FHSA, and the often-forgotten LIRA — plus CPP and OAS on the income side once you stop working. The 2026 limits are: TFSA $7,000, RRSP 18% of earned income to $32,490, FHSA $8,000 ($40,000 lifetime). Cumulative TFSA room for someone who's been eligible since 2009 is now $102,000.

Most people start with the RRSP Calculator — punch in your income, province, and contribution, and you'll see your refund within ~$50 of what your tax software will spit out. The TFSA Calculator is the long-game tool: enter your starting balance, monthly contribution, and expected return, and it projects your tax-free balance over 5/10/20/30 years. The TFSA Contribution Room calculator answers the most-Googled TFSA question: what's my actual room right now, given my birth year?

For people closer to or in retirement: the CPP Calculator estimates your pension at 60, 65, and 70 based on your contributory history (the bigger your peak earnings, the bigger the deferral bonus past 65). The RRIF Calculator computes the CRA minimum withdrawal you must take starting at 72, by age and account balance. And if you're still deciding which account to fund first, the FHSA vs RRSP vs TFSA comparison sorts it by income, goal, and time horizon.