Canadian Registered Accounts Tracker (TFSA, RRSP & FHSA)

Name: Canadian Registered Accounts Tracker (TFSA, RRSP & FHSA)
Brand: MyTaxCalculator.ca
SKU: MTC-CANADIAN-REGISTERED-ACCOUNTS-TRACKE
Price: 4.49 CAD
Availability: PreOrder

Consolidate your TFSA, RRSP, and FHSA contribution room, track investments across institutions, and rebalance your portfolio.

$4.49 ~~$14.99~~ CAD

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Your download includes

MTC_Canadian_Registered_Accounts_Tracker_2026.xlsx14 KB
Google Sheets Cloud Copy Setup LinkInstant copy

Instant file access
No monthly subscription
Mac, PC & Mobile
100% Private & Offline

Canadian-Specific

Key Features & Capabilities

Designed specifically around Canadian payroll, tax forms, and account structures:

CRA Contribution Room ledger for TFSA ($7,000 annual limit) with over-contribution warning alarms
RRSP Deduction Limit & Tax Refund Estimator calculating tax savings based on your marginal tax bracket
FHSA $8,000 annual allowance and $40,000 lifetime cap roadmap for first-time home buyers
Consolidates multiple brokerages (Wealthsimple, Questrade, TD, RBC, BMO, CIBC, Scotiabank) in one view
Portfolio Asset Allocation Rebalancing Calculator with exact buy/sell dollars for Canadian/US/Global ETFs
Dividend & Investment Income forecast tracking monthly cash flow and yield on cost

Complete Toolkit

What's Inside (9 Components)

Everything you receive immediately upon download:

1 × Canadian Registered Accounts Investment Workbook (.xlsx)
1 × Google Sheets Cloud Copy Setup Link
Multi-Institution Master Portfolio Overview Dashboard
TFSA Contribution & Withdrawal Room Ledger (tracks January 1st room restorations)
RRSP Contribution Planner with Canadian marginal tax refund estimator
FHSA Lifetime Roadmap and qualifying withdrawal readiness checklist
Asset Allocation Rebalancer for Canadian couch potato & ETF portfolios
Canadian Dividend Income & Distribution Tracker
CRA Contribution Rules guide with Notice of Assessment (NOA) lookup instructions

Detailed Walkthrough

Master Your Canadian Registered Accounts and Maximize Tax-Free Compounding

Canada offers some of the most powerful tax-advantaged accounts in the world—the Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), and the new First Home Savings Account (FHSA). However, managing them across different banks and discount brokerages (like Wealthsimple, Questrade, TD Direct, or RBC) can quickly become a bookkeeping nightmare.

Worse yet, the CRA imposes a punitive 1% per month penalty tax on excess contributions! The MTC Canadian Registered Accounts Tracker gives you complete visibility and peace of mind.

🛡️ TFSA Contribution Room Ledger & Penalty Guard

Never worry about over-contributing again. Input your baseline unused room from your CRA Notice of Assessment. The ledger tracks your contributions across all institutions. When you make a withdrawal, it automatically calculates the room added back on January 1st of the following calendar year.

💰 RRSP Deduction & Tax Refund Calculator

Estimate the exact tax refund your RRSP contributions will generate. Enter your taxable employment income, and the model applies Canadian federal and provincial marginal tax brackets to show you how much cash the CRA will return to you at tax time.

🏡 First Home Savings Account (FHSA) Roadmap

First-time home buyers can save up to $8,000 per year towards the $40,000 lifetime cap. The FHSA tracker manages your yearly allowances, unused carry-forward room, and ensures your contributions are tracked for full tax deductions and tax-free home purchase withdrawals.

⚖️ Asset Allocation & Portfolio Rebalancer

Keep your Canadian Couch Potato or all-in-one ETF portfolio balanced. Input your target weightings (Canadian Equity, US Equity, International Developed, Emerging Markets, Bonds, Cash) and current market values. The rebalancer instantly calculates the exact dollar amounts to buy or sell to restore your target allocation without emotional guesswork.

Target Audience

Who This Template Is For

Canadian DIY investors holding index ETFs (VGRO, XEQT, VEQT, VCN, VUN)

Investors with accounts across multiple institutions who need a single source of truth

Savers maximizing their new First Home Savings Account (FHSA) alongside RRSP and TFSA

Dividend and passive income investors tracking distributions

Anyone wanting to avoid the CRA 1%-per-month over-contribution penalty tax

Frequently asked questions

How does the TFSA over-contribution safety feature work?

You enter your baseline unused room from your CRA Notice of Assessment. As you log contributions across different banks, the remaining room updates dynamically. If you exceed your room, the cell highlights with a warning to prevent the CRA's 1% per month penalty tax.

Does it calculate the tax refund from my RRSP contributions?

Yes! Enter your approximate taxable income and your planned RRSP contribution. The estimator applies Canadian marginal tax brackets to calculate your estimated tax savings and refund.

Does it support Canadian index ETFs like XEQT and VEQT?

Yes, perfectly. The Asset Allocation Rebalancer allows you to set target percentages for Canadian Equity, US Equity, International Equity, Emerging Markets, and Fixed Income/Cash, and calculates the exact dollar amounts needed to rebalance.