Canada financial planning guides
High-level overviews of RRSP, TFSA, RESP, public pensions, and other programs many Canadians use. Pick a topic below—limits and rules change, so confirm details on CRA and Canada.ca — Benefits before you decide.
8 guides available
- Retirement savings
Registered Retirement Savings Plan (RRSP)
Tax-deferred savings for retirement: contributions, deductions, and how withdrawals work at a high level.
Open guide → - Tax-advantaged accounts
Tax-Free Savings Account (TFSA)
Save and invest with tax-free growth and withdrawals, subject to annual contribution room.
Open guide → - Education
Registered Education Savings Plan (RESP)
Save for a child's post-secondary education with grants and tax-deferred growth in the plan.
Open guide → - Public pensions
Old Age Security (OAS)
Monthly pension for seniors: eligibility, residence, and how clawbacks may apply at higher incomes.
Open guide → - Public pensions
Canada Pension Plan (CPP) retirement pension
Contributory public pension: how work history and start age affect your retirement benefit.
Open guide → - Home buying
First Home Savings Account (FHSA)
Save for a first home with tax-deductible contributions and tax-free qualifying withdrawals.
Open guide → - Registered plans
Registered Disability Savings Plan (RDSP)
Long-term savings for people eligible for the Disability Tax Credit, with government matching grants and bonds.
Open guide → - Workplace
Employer pension and group retirement plans
Defined benefit vs defined contribution, vesting, and what to do when you change jobs.
Open guide →
Informational only—not financial or tax advice. Verify rules on canada.ca.