RRSP & FHSA Tax Optimizer · Canada 2025

Stop guessing your RRSP & FHSA deductions.
Know exactly how much to claim — and when.

Every year you delay your RRSP or FHSA deduction, you leave real money on the table. This tool uses your exact 2025 provincial tax brackets to show you how much to deduct — and when — to maximize your tax savings.

Location
Income
Accounts
Settings
Where are you based?
Your province determines your exact tax brackets — we load 2025 combined federal + provincial rates automatically.
Brackets sourced from TaxTips.ca and Canada.ca (CRA). Combined federal + provincial/territorial rates for 2025.
How is your income growing?
Knowing your future income lets us find the years where your deduction is worth the most — because a dollar deducted at a higher tax rate saves you more.
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Your RRSP and FHSA accounts.
Find your RRSP room on your latest Notice of Assessment or CRA My Account. We calculate future room automatically from your income.
RRSP room grows at 18% of your prior year's income, capped at $32,490 for 2025. Unused room carries forward indefinitely — it doesn't expire.
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FHSA is the most powerful account for first-time buyers: contributions are tax-deductible and withdrawals for a home purchase are completely tax-free. You earn $8,000 of new contribution room each year the account is open, with up to $8,000 of unused room carrying forward — so a missed year means up to $16,000 available the next year. Lifetime cap: $40,000.
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Year opened · Total contributed so far (before 2025)
FHSA Lifetime Cap $24,000 / $40,000
$16,000 remaining · up to $16,000 available in 2025
🏠 Plan: Withdraw your FHSA tax-free when you buy your first home. This is the most tax-advantaged use of the account.
Almost there — set your assumptions.
These drive the future-value estimates. You can change them any time inside the app — they don't affect your deduction advice.
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Ready — click below to build your strategy →
Not financial or tax advice. This tool is for informational and educational purposes only. It does not constitute financial, tax, legal, or investment advice. Tax laws are complex and subject to change. Results are estimates based on 2025 rates and your inputs — actual tax outcomes will depend on your full tax situation. Always consult a qualified tax professional or financial advisor before making decisions about your RRSP, FHSA, or any investment account. Bracket data sourced from TaxTips.ca and Canada Revenue Agency.
Strategy:
Your Deduction Schedule · click any row to see which tax brackets you're saving from
Year Income RRSP Deduction FHSA Deduction Tax Savings Deduction Rate New RRSP Room RRSP Remaining FHSA Remaining Total Deducted Taxable Income
Annual Deductions vs. Your Income
RRSP
FHSA
Adj. Inc
Cumulative Tax Savings
Deduction Rate by Year
Compare Strategies — which approach pays you more?
Tax Savings by Year
Cumulative Savings Over Time
What If You Changed Your Assumptions?
Portfolio Value if you change your Return Rate
Portfolio Value if your Income Grows Faster or Slower
Portfolio Value Matrix — Return Rate × Income Growth
⚠ Not financial or tax advice. This tool provides estimates for educational purposes only. Results depend on your complete tax situation. Consult a qualified tax professional or financial advisor before making RRSP, FHSA, or investment decisions. Tax rates sourced from TaxTips.ca & CRA — 2025.
Your personalized plan is ready
Smart deductions could save you — this year.
Deduct (RRSP)
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Deduct (FHSA)
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Est. Tax Savings
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Over your full planning horizon, the optimal timing of your deductions could be worth an estimated — in future value — money that grows tax-sheltered, not taxed away.
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