FHSA vs TFSA vs RRSP

Britanico & Associate Financial Services, Ontario A comparison chart table with blue headers and rows comparing FHSA, TFSA, and RRSP accounts. It includes categories such as best for, tax deduction, tax-free withdrawal, flexibility, and plan changes.
Start my Account Decision

FHSA, TFSA, or RRSP — guided, not guessed.

View FHSA vs TFSA vs RRSP Comparison (PDF File)

Disclaimer:
This comparison is for general information purposes only and does not constitute financial, tax, or legal advice. Account suitability depends on individual circumstances. Please consult a licensed financial advisor before making decisions.

Your Chance to Win $5,000 - Up to 5 Times

How to qualify:

  • Contribute to an RRSP, TFSA, or FHSA with iA Financial Group or Investia

  • Open a new eligible savings plan

  • Or complete an iA savings calculator and email your results

✔ No complicated sign-up
✔ Automatic entry when eligible
✔ Multiple ways to qualify

Prizes:

  • 5 prizes of $5,000 (total of $25,000)

Campaign period:

  • November 1, 2025 – March 2, 2026

  • Draw date: April 22, 2026

Good to know:

  • Eligibility rules apply

  • No-purchase entry option available

  • Odds depend on total entries received

👉 For full details, eligibility, and official contest rules, see below.

Official Contest Rules (PDF)
The full campaign rules, eligibility criteria, prize details, and conditions are governed by iA Financial Group.

View Official Rules (PDF File)

Calculate how much you need to save using our RRSP, TFSA, or FHSA calculators and see how different strategies may help you reach your goals.

RRSP — Tax Refund & Retirement Impact Calculator

Quick estimate for your RRSP contribution: refund today + net value at retirement. One-page tool

Inputs

Use your approximate combined federal + provincial marginal rate.
Expected average tax rate when you withdraw in retirement.
Reinvesting is where the “free turbo” usually happens.
Disclaimer: Estimates only. This tool uses simplified assumptions and does not account for contribution room, exact tax brackets, fees, inflation, or individual circumstances. Not tax or legal advice.

Results

Tip: Reinvesting the refund usually wins.
Estimated tax refund (this year)
$—
Contribution × marginal tax rate
RRSP future value (before tax)
$—
Compounded for your timeline
RRSP net value (after withdrawal tax)
$—
FV × (1 − withdrawal tax rate)
Total outcome (net)
$—
Includes refund handling choice
Enter your numbers and click Calculate.
Book an RRSP Strategy Call Want it connected to your existing FHSA/TFSA/RRSP comparison tool? We can cross-link after results.

Important Disclosure

This calculator provides estimates for illustrative and educational purposes only. Results are based on the assumptions you enter and do not account for individual circumstances, changes in tax laws, contribution limits, fees, inflation, or market performance. This is not financial, tax, or legal advice.

For a personalized RRSP strategy and to validate these numbers, please consult a licensed financial advisor.