UpFront Wealth
2026 Tax Year

RRSP vs TFSA Calculator

Which account will leave you with more money? Compare tax refunds, growth, and after-tax withdrawals side by side.

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2026 RRSP Limit

$33,810

2026 annual maximum; personal limit also reflects pension adjustments and unused room

2026 TFSA Limit

$7,000/yr

Cumulative room since 2009: up to $109,000

Your Details

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$

2026 limits: RRSP annual max $33,810; TFSA annual $7,000. Check your CRA account for personal room.

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Illustrative assumption only; future returns are not guaranteed.

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CPP, OAS, pension, part-time — used to estimate RRSP withdrawal tax

Your Marginal Tax Rates (Federal + Provincial)

Current marginal rate

29.6%

RRSP saves $2,076 in taxes on a $7,000 contribution

Retirement marginal rate

19.1%

Based on $40,000 other income

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