All three, side by side
RRSP, TFSA and FHSA room together, so a contribution decision is made looking at all three rather than one at a time.
Start with bonus Maples on us!
See plans Contribution room
RRSP, TFSA and FHSA room in one place
Three accounts, three sets of rules, and a penalty for getting one wrong. Track the room you have and what you have used against it.
Available onUltra
What you get
Contributions recorded against room
Log what you put in and see the room remaining, rather than reconstructing it from statements each spring.
Carry-forward kept
Unused room accumulates, and TFSA withdrawals return room in the following year. Both are tracked rather than left to memory.
Beside your net worth
Room sits next to the account balances it applies to, so contributions and holdings are read together.
How it works
Enter your current room
From your CRA notice of assessment or My Account, which is the authoritative figure.
Record contributions
Each contribution draws down the right account’s room.
Check before you contribute
The remaining figure is there before you move money, which is when it is useful.
Why the CRA figure is the starting point
Contribution room depends on your filing history, pension adjustments, past withdrawals and transfers. No app can derive it reliably from the outside, and one that claims to is inviting an over-contribution penalty. So this tracker starts from the room the CRA states in your notice of assessment or My Account, then keeps an accurate running total as you contribute. That division is deliberate: the authoritative number comes from the CRA, and the day-to-day arithmetic happens here.
Common questions
Which plan includes the room tracker?
Ultra, alongside the income tax estimator and the net-worth timeline.
Do you fetch my room from the CRA automatically?
No. There is no connection to CRA accounts. You enter the room from your notice of assessment or My Account, and it is tracked from there. Deriving room from outside guesswork risks an over-contribution penalty.
Does it handle TFSA withdrawal room?
Yes. TFSA withdrawals restore room in the following calendar year, which is the rule people most often get wrong, and it is tracked rather than assumed.
Is the FHSA included?
Yes. The First Home Savings Account is tracked alongside RRSP and TFSA, including its own annual and lifetime limits.
Related features
Know exactly what you can spend today
Create your free account. No credit card, no commitment, just a clearer view of your money.
Start for freeFree forever plan. No credit card.
Start for free