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You can view TFSA vs RRSP, but editing and actions are locked on the free plan.
TFSA vs RRSP
Compare tax-free TFSA growth against RRSP after-tax value and refund reinvestment.
Example Selector
TFSA starting balance
$0
Profile / Manual
RRSP starting balance
$0
Profile / Manual
Comparison Inputs
Adjust tax assumptions, contributions, starting balances, and timeline.
Marginal tax rate 29.0%
Country
Province / Territory
Annual income
$
Annual contribution
$
Starting balance
$
Years
Expected return %
RRSP retirement tax % (assumption)
Paid plans use synced balances first, then fall back to manual starting balance if no matching synced account is found.
Best After-Tax Strategy
Compares TFSA tax-free growth against RRSP after-tax value plus invested refunds.
Winner
RRSP Strategy
TFSA after-tax value
$274,572
RRSP strategy after-tax
$299,283
Growth Chart
TFSA tax-free vs RRSP strategy after-tax.
TFSA (tax-free)
RRSP strategy (after-tax)
After-tax outcomes
TFSA (end value)
$274,572
RRSP strategy (end value)
$299,283
RRSP end (pre-tax)
$274,572
Refunds invested (end)
$79,626
Tax
Current marginal rate (est.)
29.0%
RRSP annual refund (est.)
$1,740
Total refunds (sum)
$34,800
RRSP withdrawal tax
$54,914
Tax logic here is still an estimate model.
Contributions
Clean summary of the assumptions used in this TFSA vs RRSP comparison.
Annual contribution
$6,000
Years
20
Total contributed
$120,000
Return assumption
8.00%
Retirement tax assumption
20.0%
TFSA starting balance used
$0
RRSP starting balance used
$0
Balance source
Manual
Educational content only — not financial advice.