What are the annual and lifetime contribution limits for an FHSA?

The annual contribution limit is $8,000, up to a lifetime maximum of $40,000.

What happens if I don't buy a home within 15 years?

Unused FHSA funds can be transferred directly into an RRSP or RRIF completely tax-free without affecting your RRSP contribution room.

カナダFirst Home Savings Account (FHSA $40,000 Lifetime)財務・給与

Canada First Home Savings Account (FHSA) Tax Deduction & House Fund Calculator

Calculate your annual tax deduction and tax-free down payment fund with Canada's First Home Savings Account (FHSA): $8,000 annual contribution limit up to $40,000 lifetime cap (tax-deductible in, tax-free out for qualifying first home purchase).

不動産投資・資産運用貯蓄・預金税金・関税

入力パラメータ

リアルタイム自動計算

Annual FHSA Contribution (CAD $ - Max $8,000/yr)

CAD $

クイック選択:

Years Saving in FHSA (Max $40,000 Lifetime Cap)5 yrs

1 yrs15 yrs

Your Marginal Income Tax Rate (%)35 %

20 %54 %

Expected Annual Investment Growth (%)6 %

1 %10 %

計算結果First Home Savings Account (FHSA $40,000 Lifetime)

Total Tax-Free FHSA Home Down Payment Fund

45,097CAD $

Total Tax Refund Cheques Received from CRA

14,000 CAD $

Annual Tax Refund Saved Each Year (£/yr)

2,800 CAD $

詳細な計算内訳

Cash Saved

40,000 CAD $

Tax-Free Growth

5,097 CAD $

CRA Tax Refunds

14,000 CAD $

Final Down Payment Pot

45,097 CAD $

計算方法と根拠

Tax Refund = Annual Contribution * Marginal Tax Rate%. Total FHSA House Fund = Compounded annual contributions over savings timeline.

法的免責事項および案内

An FHSA can stay open for up to 15 years or until the end of the year you turn 71. Unused room carries forward up to a maximum of $8,000 per year.

本計算機は教育および参考目的のみに提供されています。表示される結果は法的または拘束力のある助言を構成するものではありません。

よくある質問 (FAQ)

Yes! First-time buyers can combine both their FHSA (up to $40k+ with growth) and the RRSP Home Buyers' Plan ($60,000) for a tax-free down payment.

Canada Dividend Tax Credit (Eligible 138% vs. Non-Eligible 115% Gross-Up) Calculator

カナダ

Canada First Home Savings Account (FHSA) Tax Deduction & House Fund Calculator

入力パラメータ

詳細な計算内訳

計算方法と根拠

法的免責事項および案内

よくある質問 (FAQ)

関連する計算機

Canada Land Transfer Tax (Ontario LTT & Toronto MLTT) Calculator

Canada Tax-Free Savings Account (TFSA) Growth & Lifetime Limit Calculator

Canada RRSP Contribution Limit, Tax Savings & Refund Calculator

Canada Capital Gains Tax & Two-Tier Inclusion Rate Calculator (50% vs. 66.7%)

Canada CMHC Mortgage Loan Default Insurance Calculator

Canada Federal & Provincial Combined Income Tax Calculator

Canada Dividend Tax Credit (Eligible 138% vs. Non-Eligible 115% Gross-Up) Calculator

Canada Old Age Security (OAS) Pension & 15% Clawback Recovery Tax Calculator