Calculators

Run the numbers

Estimate grants, contribution room, tax savings and long-term growth using 2026 Canadian rules.

RDSP grant & bond estimator

Beneficiary's age today

Family net income

For adults 19+, this is the beneficiary's (and spouse's) income. Grant year 2026 uses 2024 income.

Your yearly contribution

Assumed annual return (%)

Estimated RDSP value at age 60

—

Grant this year—

Bond this year—

Catch-up—

Your contributions (total)—

Total grants—

Total bonds—

Investment growth—

Your contributionsGovernment moneyInvestment growth

Hypothetical illustration using 2026 program rules; assumes rates and rules stay the same and returns are constant. Not a guarantee of future values. Segregated fund values fluctuate.

RESP grant estimator

Child's age today

Family net income

Yearly contribution

Assumed annual return (%)

Estimated RESP value at age 18

—

CESG this year—

Your contributions—

Total CESG (max $7,200)—

Canada Learning Bond—

Investment growth—

Your contributionsGovernment moneyInvestment growth

Hypothetical illustration using 2026 program rules; assumes rates and rules stay the same and returns are constant. Not a guarantee of future values. Segregated fund values fluctuate.

TFSA room & growth calculator

Year you were born

Year you became a Canadian resident (if after 2009)

Total contributed since 2009

Total withdrawn before 2026

Withdrawals are added back to your room on January 1 of the following year.

Withdrawn so far in 2026

Plan to contribute each year

For how many years

Assumed annual return (%)

Estimated available room today

—

Room accumulates from—

Cumulative limits to 2026—

Estimated room on Jan 1, 2027—

Projected tax-free value

—

You contribute—

Tax-free growth—

Your contributionsGovernment moneyInvestment growth

Hypothetical illustration using 2026 program rules; assumes rates and rules stay the same and returns are constant. Not a guarantee of future values. Segregated fund values fluctuate.

RRSP room & tax-refund estimator (Alberta)

2025 earned income

Your 2026 room is 18% of last year's earned income, up to $33,810.

2025 pension adjustment (box 52 of T4)

Unused room carried forward

Find it on your Notice of Assessment or CRA My Account.

2026 taxable income (before RRSP deduction)

RRSP contribution to deduct

Estimated tax savings (federal + Alberta)

—

New 2026 room from earnings—

Total deduction limit—

Marginal rate before—

Marginal rate after—

Marginal rate is the combined federal and Alberta tax on your next dollar of income. Before is that rate without the RRSP deduction; after is the rate once your contribution is deducted. It stays the same or drops if the deduction moves you into a lower bracket.

Estimate uses 2026 federal and Alberta brackets and basic personal amounts only. Actual refunds depend on your other credits, deductions and tax already withheld.

Life insurance needs estimator

Annual after-tax income to replace

Years your family would need it

Often until your youngest child is independent, or until retirement.

Mortgage and other debts

Final expenses

Children to fund education for

Education fund per child

Existing life insurance (work + personal)

Savings & investments your family could use

Estimated additional coverage needed

—

Income replacement—

Debts—

Final expenses—

Education—

Total needs—

Less: existing coverage & savings—

Simplified estimate for education only. It does not account for inflation, investment returns on the payout, CPP survivor benefits or taxes. Actual coverage and premiums depend on insurer underwriting.

The cost of waiting

Yearly savings

Years until you need the money

Years you delay starting

Assumed annual return (%)

Waiting could cost you

—

Start today—

Start later—

Hypothetical illustration using 2026 program rules; assumes rates and rules stay the same and returns are constant. Not a guarantee of future values. Segregated fund values fluctuate.

All calculators are for education only and use simplified assumptions. Results are not a guarantee and are not advice. Your actual grants, room and taxes are determined by the Government of Canada and CRA.

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