Tax-efficient savings planner for Canadians

Know exactly where
your savings should go

Enter your income, age, and province. StackRight tells you how to split contributions across your FHSA, TFSA, and RRSP — and explains why.

How it works

Enter your details

Income, province, age, and which registered accounts you have. Takes about 30 seconds.

Get your allocation

See exactly how much to put in each account, based on your tax bracket and contribution room.

Understand the reasoning

Plain-language explanations for why one account is prioritized over another. No jargon.

Built for real decisions

Not another generic calculator. StackRight understands Canadian tax rules.

FHSA triple advantage

Tax-deductible going in, tax-free growth, tax-free withdrawal for a home. StackRight prioritizes it when you have a home purchase goal.

Income-aware RRSP weighting

Above $90K, the RRSP deduction saves you more per dollar. Below that, TFSA flexibility often wins. We adjust the split automatically.

Province-specific tax brackets

Marginal rates for all 13 provinces and territories. Your allocation reflects your actual combined federal + provincial rate.

Growth projections up to 35 years

See how your savings compound over time with a stacked area chart. FHSA contributions stop automatically at the $40K lifetime cap.

Stop guessing. Start stacking.

Free to use. No credit card required.

Try StackRight now