About TFSA or RRSP
Radif Partners rebuilds TFSA room year by year from 2009, age 18 and the date you arrived in Canada, and prices an RRSP refund with the 2026 federal brackets and those of all thirteen provinces and territories, including the Quebec abatement and the Ontario surtax. Limits come from the Canada Revenue Agency limits table, brackets from the T4127 guide and the 2026 rates page. No financial product is sold or recommended, and no e-mail is asked for.
Why this site exists
Someone who wants to know how much they can put in a TFSA, or whether an RRSP is worth it, mostly finds two kinds of pages. The Canada Revenue Agency's pages state the rules precisely but leave the arithmetic to you: you add up eighteen annual limits yourself and look for your tax brackets in another document. Pages from banks, insurers and comparison sites sometimes do the arithmetic, but some still show a past year's limit, give totals that contradict each other from one paragraph to the next, or lead to a product to buy.
This site does better than the top Google result (canada.ca) because it calculates what canada.ca only explains: your accumulated TFSA room from your year of birth and arrival in Canada, and the real tax saving of an RRSP or FHSA contribution with the 2026 federal brackets and those of each of the 13 provinces and territories, Quebec abatement included, in English and French, with nothing to sell.
Who publishes it
The site is published by Radif Partners, a company that builds calculators from public rules. It is not a public body and has no link with the Canada Revenue Agency, Revenu Québec, any provincial government, bank, insurer or broker. It sells no financial product, takes no commission, recommends no institution and asks for no name or email. Pages carry no affiliate links.
Radif Partners
49 rue du Ressort
63000 Clermont-Ferrand, France
contact@moncelireer.com
Where the figures come from
For the TFSA: the table of limits on canada.ca and the Canada Revenue Agency TFSA pages (room, withdrawals, excess amounts, non-residents). For the RRSP: dollar limits from 2022 to 2027, the rules on excess contributions, deadlines, withholding and spousal plans, on canada.ca. For the FHSA, the HBP and the LLP: the agency's pages on opening, participation room, closing, withdrawals and repayments. For income tax: the 2026 tax rates page and the July 2026 T4127 guide, which give the brackets, rates and basic personal amounts of the federal government and the provinces, and Quebec's 16.5% abatement. Quebec's brackets come from Revenu Québec.
What the site does not do
It does not know your file: your official room is in My Account and on your notice of assessment. It does not compute tax credits other than the basic personal amount, the alternative minimum tax, or the tax on dividends and capital gains. It is not tax or financial advice. The method page gives every formula and limit; the editorial policy explains how corrections are made.
Write to us
contact@moncelireer.com, to report an error or a source. We answer questions about a rule or a figure, not about your personal situation.