Home Buyers' Plan calculator
Estimate RRSP Home Buyers' Plan withdrawal and repayment planning.
Estimate RRSP Home Buyers' Plan withdrawal and repayment planning.
Estimate RRSP Home Buyers' Plan withdrawal and repayment planning.
The Home Buyers' Plan lets you borrow up to $60,000 tax-free from your RRSP for your first home. Repay over 15 years starting year 2. Pair with our RRSP calculator, down payment calculator, and affordability calculator.
Calculate your Home Buyers' Plan withdrawal, repayment schedule, and what happens if you miss a payment. The 2026 HBP allows you to pull up to $60,000 from your RRSP tax-free for a first home, with a 15-year repayment timeline.
Q
How much can I withdraw from RRSP for the Home Buyers' Plan?
A
Up to $60,000 per person from your RRSP, tax-free, to buy or build a qualifying first home. Couples can stack to $120,000. You then repay 1/15 of the withdrawal each year over 15 years, starting in the second year after withdrawal. Missed payments are added to your taxable income for that year.
Last reviewed 2026-04-21