🇨🇦 Free Canadian Simulator
Watch your money grow tax-free. See exactly how much the TFSA shelter saves you in taxes vs. a regular investment account over your lifetime. Canadian defaults — 2026 room limits, honest returns, no bank-brochure fluff.
What This Simulator Actually Does
Annual limit set to $7,000 (CRA 2026 limit). You can override if you've got carry-forward room or want to model future limit increases.
The non-registered comparison applies your marginal rate to annual dividends and 50% capital gains inclusion at withdrawal — the actual way the CRA taxes Canadians, not US rules.
Your contributions compound monthly at your expected annual return rate — matches how your actual TFSA brokerage account grows.
If your monthly contribution exceeds the annual TFSA limit, we auto-cap it so you don't trigger CRA's 1%/month over-contribution penalty.
Not financial advice. Just a nerd with a calculator. Numbers are estimates — talk to a fee-only advisor before making big TFSA moves.