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Territory 03 · Tax

Keep more of what you earn, and understand what you may qualify for.

Tax isn't a once-a-year event. Income type, account choice, deductions and timing move your after-tax result more than picking the perfect investment ever will.

$7,000 — the 2026 TFSA annual contribution limit. Unused room carries forward, so your own number depends on your history.

Lessons

  • TFSA, FHSA and RRSP: the practical differences — Core · 6 min read
  • Gross, net and your marginal rate — Easy · 4 min read
  • The four kinds of investment income — Core · 5 min read
  • Asset location: which account each investment belongs in, and why it matters — Advanced · 5 min read

Reads

  • TFSA or RRSP first? — Featured · 6 min read
  • No, a raise won't leave you worse off — Article · 4 min read
  • Credits and deductions people miss — Article · 5 min read

Charts

  • Estimated current-year tax, illustrated — See how this reads for the sample household
  • Registered account room — Registered room, illustrated
  • Bracket map — Where the next dollar lands, illustrated

Open Tax Planning in the app