Investment Tax Optimizer

Optimize RRSP, TFSA and Non-Registered Accounts

Use this tool to know how to efficiently allocate your investments between TFSA, RRSP and non-registered accounts, so that you minimize on taxes.

Which province do you live in?

How old are you?

How much do you currently earn per year? ($/year)

How quickly do you expect your income to increase per year? (%/year)

What's the total value of Canadian stocks that you'll hold? ($)

What is your expected rate of return for Canadian stocks (including dividends)? (%/year)

What is the average dividend yield on your Canadian stocks? (%)

What's the total value of international stocks that you'll hold? ($)

What is your expected rate of return for international stocks (including dividends)? (%/year)

What is the average dividend yield on your international stocks? (%)

What's the total value of Canadian bonds that you'll hold? ($)

What is the current interest rate on your Canadian bonds? (%/year)

Where do you see interest rates going in the long term? (%/year)

What percentage of your pre-tax income do you plan on saving in the future? (%)

What is your unused TFSA contribution room? ($)

What is the total value of your investments inside your TFSA? ($)

What is your unused RRSP contribution room? ($)

What is the total value of your investments inside your RRSP? ($)

Keep money in RRSP, even if it's tax efficient to withdraw today