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Canada FHSA Calculator

CanadaのCanada FHSA Calculator。現地ルールとCA$通貨対応。

地域ルールの詳細

管轄Canada

通貨CA$ (CAD)

施行日2025年1月1日

バージョン1.0

最終確認日2026年3月1日

次回確認日2026年7月1日

情報源: Canada Revenue Agency (CRA)

Canada の税率とルール

値を入力

Annual Contribution

Maximum $8,000 per year

Years to Save

FHSA can stay open for up to 15 years

Expected Annual Return

0%100%

Marginal Tax Rate

0%100%

Your combined federal and provincial marginal rate

結果

上の欄に値を入力し、「計算する」をクリックしてください。

AIアシスタント

この計算機について質問する

Canada FHSA Calculatorの計算式を説明したり、結果を解釈したり、フォローアップの質問に答えることができます。

質問してみましょう

Canada First Home Savings Account calculator for 2026. FHSA allows $8,000/year ($40,000 lifetime) in tax-deductible contributions with tax-free growth and tax-free withdrawal for a qualifying first home purchase. Unused room carries forward up to $8,000. Account must be closed within 15 years of opening or by December 31 of the year you turn 71.

免責事項: この計算機は公開されている規則に基づいています。結果は情報提供のみを目的としています。正確な情報は公式の情報源または専門家にご確認ください。最終確認日: 2026年3月1日。

計算式

Future Value = Sum of [Contribution x (1 + Return)^(Years - n)] for each year n Tax Savings = Total Contributions x Marginal Rate

Each annual FHSA contribution grows tax-free at the expected rate of return. Contributions are tax-deductible at your marginal rate, and withdrawals for a qualifying home purchase are completely tax-free.

よくある質問

How much can I contribute to an FHSA each year?

The annual FHSA contribution limit is $8,000. Unused contribution room carries forward to the next year, up to a maximum of $8,000 carry-forward. The lifetime limit is $40,000.

What is the tax benefit of an FHSA?

FHSA contributions are tax-deductible like an RRSP, investment growth is tax-free like a TFSA, and withdrawals for a qualifying first home are completely tax-free. It combines the best features of both accounts.

Who qualifies for an FHSA?

You must be a Canadian resident, at least 18 years old (19 in some provinces), and a first-time home buyer. You cannot have lived in a home you owned in the current year or the previous four calendar years.

What happens if I do not buy a home?

If you do not use the FHSA for a home purchase, you can transfer the balance to an RRSP or RRIF without affecting your RRSP room. Alternatively, you can make a taxable withdrawal. The account must be closed within 15 years of opening.

Can I have both an FHSA and an RRSP?

Yes. FHSA and RRSP are separate accounts with separate contribution limits. You can also transfer RRSP funds to an FHSA (counts against your FHSA room but you get the tax-free withdrawal benefit). FHSA contributions do not reduce your RRSP room.