TFSA vs RRSP Comparison

Compare how the same amount could grow in each account, after tax, by retirement.

Amount available to invest today ($)

Years until withdrawal

Expected annual return (%)

Tax rate today (%)

Expected tax rate in retirement (%)

This is the classic textbook comparison: RRSP tends to win when your tax rate is lower in retirement than it is today, TFSA tends to win when it's the other way around. Real numbers depend on a lot more than this simple version shows.

Figure out which fits you a soft nudge into a consultation, not a hard sell