Before we start
One quick question to make sure your results are accurate.
Your Information
Fill in your details for an instant, personalized recommendation.
Between 18 and 80
Prior-year gross, before taxes
How Much Can You Save This Year?
Enter one or both. We'll add them together to find your total available contributions.
e.g. automatic transfers each payday
e.g. tax refund, bonus, or gift
Total available this year
$0
Assumed Annual Return ?
5.0%
3% — Low risk
GICs / bonds 5% — Moderate
Balanced funds 10% — High risk
Equity-heavy
Projections update instantly as you move the slider.
GICs / bonds 5% — Moderate
Balanced funds 10% — High risk
Equity-heavy
Your Unused Contribution Room
Max: $102,000
Enter your prior-year income above to see estimated new room.
Max: $40,000 lifetime
This tool is for educational purposes only. PlanSmartFi is not a financial advisor. All projections are estimates based on your entered rate of return and current 2026 tax rules. Contribution limits and tax rules change annually. Always verify figures at canada.ca and consult a qualified financial professional before making any financial decisions.