RRSP vs TFSA vs FHSA Comparison Calculator
CanadaのRRSP vs TFSA vs FHSA Comparison Calculator。現地ルールとCA$通貨対応。
地域ルールの詳細
Canada の税率とルール
値を入力
Amount you plan to invest each year
Number of years you plan to contribute
Average annual investment return
Your current combined federal and provincial marginal rate
Your expected marginal tax rate in retirement
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。
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RRSP vs TFSA vs FHSA Comparison 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
Canadian RRSP vs TFSA vs FHSA comparison calculator for 2026. RRSP: contributions are tax-deductible, growth is tax-deferred, withdrawals are taxed as income. TFSA: contributions are not deductible, growth and withdrawals are completely tax-free. FHSA: contributions are deductible (like RRSP), growth and withdrawals for a first home are tax-free (like TFSA). The optimal choice depends on your current vs future tax rate and whether you are saving for a home or retirement.
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
RRSP contributions are tax-deductible but withdrawals are taxed at your retirement rate. TFSA contributions use after-tax dollars but grow and withdraw tax-free. FHSA combines both: contributions are deductible and qualified withdrawals for a first home are tax-free.
よくある質問
Which is better, RRSP or TFSA?
RRSP is better if your current marginal tax rate is higher than your expected retirement rate (you get a bigger deduction now than the tax you pay later). TFSA is better if your rate will be the same or higher in retirement. For most middle-income earners, RRSP has a slight edge. For lower-income earners, TFSA is usually better.
When should I use an FHSA instead?
If you are a first-time home buyer, FHSA is the best option for home savings because it combines RRSP benefits (tax deduction) with TFSA benefits (tax-free withdrawal). You get the deduction when you contribute and pay zero tax when you withdraw for a home. FHSA is strictly better than both RRSP and TFSA for this specific goal.
What are the contribution limits for each account?
RRSP: 18% of previous year earned income up to $32,490 for 2025, with unused room carrying forward indefinitely. TFSA: $7,000 per year for 2024-2025 ($102,000 cumulative from 2009). FHSA: $8,000 per year, $40,000 lifetime, with $8,000 carry-forward.
Can I contribute to all three accounts?
Yes. RRSP, TFSA, and FHSA have separate contribution limits. If you have the cash flow, maximizing all three provides the best tax-sheltered growth. Priority order for most first-time buyers: FHSA first, then TFSA, then RRSP.
What happens to FHSA if I never buy a home?
You can transfer the balance to your RRSP or RRIF without affecting your RRSP contribution room. This effectively converts your FHSA into RRSP savings. Alternatively, you can withdraw the funds but they will be fully taxable, similar to an RRSP withdrawal.
How does this calculator model the comparison?
It projects each account over your specified time horizon using the same contribution amount and expected return. For RRSP, it models the tax deduction now and tax on withdrawal at your retirement rate. For TFSA, no deduction and no withdrawal tax. For FHSA, deduction now and no withdrawal tax. The after-tax future value shows the true comparison.
AIアシスタント
この計算機について質問する
RRSP vs TFSA vs FHSA Comparison 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
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