NorthWorth

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The full NorthWorth toolkit with sample data — nothing is saved. Each tool also has its own standalone page and Excel template.

Invested today

$65,000

Monthly contributions

$1,350

Accounts

3

Investment accounts

  • TFSA — index funds

    TFSA · General investment portfolio

    $32,000

  • RRSP — index funds

    RRSP · General investment portfolio

    $26,500

  • FHSA

    FHSA · General investment portfolio

    $6,500
Registered account room
TFSA — index funds$0 room left

$32,000 contributed of $24,000 entered room

RRSP — index funds$0 room left

$24,000 contributed of $19,500 entered room

RRSP over-contribution buffer: the CRA allows a lifetime excess of $2,000 without penalty.

FHSA$3,000 room left

$6,500 contributed of $9,500 entered room

FHSA lifetime limit: $40,000 — $33,500 left in total.

Estimate my TFSA room from my age

Estimated cumulative TFSA room since you turned 18 (or 2009): $109,000, assuming you never contributed. Enter this as the contribution room on your TFSA account.

Estimate my new RRSP room

$

Estimated new room: $0 (18% of earned income, up to $32,490). Unused room carries forward; a pension adjustment (employer plan) reduces it. Check your CRA notice of assessment.

RRSP contributions are deductible from taxable income. Deadline for the previous tax year: the first 60 days of the year.

Estimate my FHSA room

Estimated cumulative FHSA room: $8,000 ($8,000 per year since opening, up to $40,000 lifetime), assuming you never contributed. Enter this as the contribution room on your FHSA account.

An FHSA can stay open for up to 15 years. The qualifying withdrawal for a first home is tax-free; unused amounts can be transferred to an RRSP tax-free.

Contribution room depends on individual tax history and eligibility. Verify official CRA records before making financial decisions.

This platform provides financial planning tools and calculations for informational and educational purposes only. It does not provide financial, investment, tax, legal or mortgage advice. Results are based on user-provided information and assumptions. Contribution limits, tax rates and regulatory parameters reflect the rules in effect as of the latest update (2026) and may change; always verify official amounts with the CRA or a licensed professional.

Prefer a single tool? Each calculator has its own page: Mortgage · Debt payoff · Excel templates