How Your Daily Tim Hortons or Starbucks Coffee Actually Costs You $200k
Five dollars a day is $1,825 a year. Put in monthly and left alone for 25 years at a 10% average annual return, $45,625 of contributions becomes $201,789. Roughly $156,000 of that final number was never contributed by anyone. It is return on return.…
Room is cumulative. Someone who has never contributed and was 18 or older in 2009 has $109,000 of room today. Withdrawals come back as room, but not until January 1 of the following year.
How a TFSA works →
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You get 18% of last year’s earned income, capped at $33,810, plus every dollar of room you never used. The deduction is worth your marginal rate. The same $10,000 refunds $2,251 for an Ontario earner on $60,000 and $3,816 for one on $160,000.
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The only account that is deductible going in and tax-free coming out, provided the money buys a first home. Unused room carries forward, but only $8,000 of it, and the clock starts the year you open the account rather than the year you turn 18.
How an FHSA works →
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RRSP Calculator: What Does a Contribution Actually Refund?
TFSA Room
What you can still put in, after every year since 2009
Open the calculator →RRSP Room
Including every year of carry-forward you never used
Open the calculator →Capital Gains Tax
What you owe on a sale, in your province
Open the calculator →Fee Drag
What a 2.25% MER costs over a working life
Open the calculator →Dividend Income
Income today, and after years of reinvesting
Open the calculator →Adjusted Cost Base
The number the CRA wants, tracked across buys
Open the calculator →Where The Numbers Come From
Contribution limits, deadlines and tax brackets are read off the CRA and Revenu Québec pages that set them, and dated on the page.
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This Is Not Advice
Everything here is for information and education. Your situation has details a calculator does not know about.