# RRSP, TFSA and Retirement Calculators

> Plan savings and income with an RRSP calculator plus tools for TFSA room, FHSA, RESP, CPP and Old Age Security in Canada

Retirement income in Canada comes from three places: government pensions, workplace plans and your own savings. Registered accounts change when you pay tax, so the order you draw on them can matter as much as how much you save, and that's the part most people don't plan for until they're close to retiring.

Want to see how a contribution lowers this year's tax bill? Try the [RRSP calculator](https://tax-services.ca/calculators/rrsp-retirement/rrsp-calculator). To check what you can still add, use the [TFSA room calculator](https://tax-services.ca/calculators/rrsp-retirement/tfsa-calculator).

## Which account should hold the savings?

A first home gets its own account. That's the FHSA. The [FHSA calculator](https://tax-services.ca/calculators/rrsp-retirement/fhsa-calculator) shows the deductions and growth toward a down payment. Saving for a child? The [RESP calculator](https://tax-services.ca/calculators/rrsp-retirement/resp-cesg) adds the federal grant to what you put in.

Taking money out costs something. The [RRSP withdrawal tax calculator](https://tax-services.ca/calculators/rrsp-retirement/rrsp-withdrawal-tax) shows what's withheld at source and what you may still owe at filing time.

## What will I get in retirement?

The [CPP calculator](https://tax-services.ca/calculators/rrsp-retirement/cpp-calculator) estimates your pension for the start age you pick, and the [Old Age Security calculator](https://tax-services.ca/calculators/rrsp-retirement/oas-calculator) shows the payment and the clawback at higher incomes. Will your savings last? The [retirement savings calculator](https://tax-services.ca/calculators/rrsp-retirement/retirement-calculator) tests that, and the [retirement income tax calculator](https://tax-services.ca/calculators/rrsp-retirement/retirement-income-tax) shows the tax on the money you draw.

Projections assume steady growth. Markets don't behave that way. Treat every result as a starting point, and you'll want to look again each year.

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Source: https://tax-services.ca/calculators/rrsp-retirement
Last updated: 2026-10-01
Independent information site. Not affiliated with the CRA. No services, no guarantee of accuracy. See https://tax-services.ca/disclaimer