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RRSP or TFSA
Which account keeps more of the same money after tax
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Your answers
Province you pay tax in
The territories (Yukon, Northwest Territories, Nunavut) are not modelled yet — we do not apply British Columbia rules to them.
Tax year
2025 rates (the only year we hold)
Income you expect this year (CAD)
$
Money out of your pocket each month (CAD)
$
The same amount goes into either account, so the comparison is fair.
One-off amount now (CAD)
$
Years invested
yrs
Tax rate you expect when you withdraw the RRSP
%
Your rate on today's income is about 28.2%. Lower later favours the RRSP; higher later favours the TFSA.
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