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Contribution room changes with every withdrawal and re-contribution, and the CRA charges 1% a month on the excess if the timing is wrong. The calculator works from the dates you actually used, to the cent. TFSA tracking is free. $19.99 adds RRSP, FHSA, and RESP for good. No subscription, no account.
Segment 01 · free
Putting money back into your TFSA? Withdrawn room does not return until January 1. The calculator shows how much you can re-contribute today without going over.
Free access
Enter your email. You'll get the calculator on the next page, and I'll email you the link too.
Inside the app
TFSA tracking is free, always. RRSP, FHSA, and RESP unlock together, once. Checkout issues a signed code. Your device verifies it, like everything else.
Why the timing matters
01
Withdraw from your TFSA and that room does not return until January 1 (the CRA's TFSA contribution rules). Re-contribute before then without room to cover it and the CRA charges 1% a month on the excess. The app tracks the dates for you.
02
The CRA lets you go $2,000 over your RRSP limit before the penalty starts (the CRA's over-contribution rules). Past that, the CRA charges 1% a month on the excess. The app warns you before you cross the line.
03
Skip a year of your FHSA, or contribute less than the $8,000 annual limit, and the difference rolls into next year's room (the CRA's FHSA rules). A tracker that only checks this year against this year's limit misses it. The app knows every prior year.
04
The CRA matches RESP contributions at 20%, up to $500 a year, or $1,000 with a year of carry-forward room (the CRA's RESP contribution rules). That grant limit and the $50,000 lifetime contribution limit are two different numbers. The app tracks both.
Free vs unlock
| Feature | Free | Unlock |
|---|---|---|
| TFSA contribution-room tracking | Yes | Yes |
| RRSP room, including the $2,000 cushion | No | Yes |
| FHSA room, including carry-forward | No | Yes |
| RESP room against the $50,000 lifetime limit | No | Yes |
| Engine built on CRA rules, offline, no account | Yes | Yes |
| One-time price |
Segment 02 · one-time · CAD
One payment and all four accounts are yours for good. RRSP, FHSA, and RESP join your TFSA. No subscription, no account. Available across Canada except Quebec at launch, where the unlock takes your email instead.
The engine is hash-verified, formula-certified, audit-grade: before each release, every figure it produces is checked to the cent against the CRA's published rules. The certification record spells out exactly what is tested, and where the claim stops.
30 days to change your mind. One email, full refund.
One-time payment, verified on your device. Sales tax calculated at checkout.
Standing statement
This site is not written by a Chartered Professional Accountant. Not tax advice. Everything on this site is educational. Cross-check every figure against the Canada Revenue Agency before you act on it.
Questions
No. One payment of $19.99, unlocked on your device. It never recurs.
TFSA tracking is free. The unlock adds RRSP, FHSA, and RESP in the same app.
Yes. Each year I refresh the app with the CRA's new limits, and because it runs as a web app the update installs itself, at no extra cost. If a new year starts before that update reaches you, the app flags that it is still on the prior year's limits instead of quietly showing an out-of-date number.
CRA My Account shows your room as of its last update, not the effect of a withdrawal and re-contribution you make today, and a spreadsheet does not know the timing rules. The app applies the CRA rules to the dates you enter and flags a re-contribution that would push you over.
The free TFSA calculator stays free. The $19.99 unlock covers RRSP, FHSA, and RESP, the three accounts whose limits run across years. Each has a rule a running total misses. RRSP has a $2,000 cushion above the deduction limit, and the CRA's 1% monthly tax applies only past it. FHSA room carries forward once the account is open, capped at $8,000. RESP has no annual cap, only a $50,000 lifetime limit per child across every plan. The app applies those rules to the dates you enter. $19.99 once, and 30 days to change your mind. For the RRSP rule in full, see the CRA on going over your RRSP deduction limit .
Your figures stay on your device. The app has no account and no login, and it works offline. Nothing you enter in the app leaves your device.
Your unlock is a code, not an account. Save the code shown after checkout; a copy also goes to your checkout email. Enter it on a new device to restore the paid accounts. Your figures stay on the device, so make an encrypted backup in the app before you switch.
Yes. The unlock has a 30-day money-back policy: email me within 30 days of purchase and I refund in full. A refund ends the licence, so the paid accounts return to locked the next time the app checks in. Reach me at [email protected] .
Not at launch. Checkout is available across Canada except Quebec.
Free access
Enter your email. You'll get the calculator on the next page, and I'll email you the link too.