TFSA, RRSP or FHSA: which should you fill first?
Estimate how much you can put into each account in 2026. Your CRA account shows the official figure, so check it before a large deposit.
One calculator for each account
All three on one page
TFSA room
Tax-free savings account room for 2026.
Withdrawals come back as room the following year.
Answer the question above to see your room.
RRSP room
Registered retirement savings plan room for 2026.
Mostly your salary or self-employment income before tax.
Box 52 of your 2025 T4, if you have a workplace pension.
From your latest Notice of Assessment.
- Your RRSP room for 2026
- $11,700
New room this year: $11,700 (18% of your 2025 earned income, up to $33,810).
FHSA room
First home savings account room for 2026.
- Your FHSA room for 2026
- $8,000
You get $8,000 of room in the year you open your first FHSA.
General information, not financial or tax advice. Check your own numbers in CRA My Account on canada.ca, or with a licensed adviser. These are estimates. They leave out some cases, such as years you lived outside Canada, FHSA withdrawals and re-contributions, and pension past-service adjustments.
Watch and read
Where the numbers come from
- CRA: TFSA and RRSP dollar limits by year (opens in a new tab)
- CRA: when TFSA room starts (opens in a new tab)
- CRA: how contributions affect your RRSP deduction limit (opens in a new tab)
- CRA: FHSA participation room (opens in a new tab)
Checked 8 November 2026.