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FHSA Calculator
The First Home Savings Account (FHSA) is more than just a regular savings account. We’ll ask you a few simple questions to map out your savings plan, and then chart a course to owning your first home.
- Learn how an FHSA can help you save for your first home
- Make adjustments to see just how you can change your investment strategy
- Find out how an FHSA will impact your long-term investment plans
Find out how much your FHSA can grow
Find out how much money you can save towards the purchase of your first home by investing with a First Home Savings Account (FHSA) compared to a regular, taxable investment account with our easy-to-use FHSA Calculator.
告诉我们您的储蓄方式，我们将帮助您计算潜在的储蓄额。
现在页面要求用户选择信息，页面上的信息会根据您的选择而变化。
从下拉菜单中选择您的居住地所在省或地区
Select your annual taxable income from the dropdown
金额
select your contribution frequency from the dropdown
年份
Expected rate of return
Your total $15,000 FHSA contributions can grow to be $17,900 在5年footnote star
| 年 | FHSA | 应税账户 | 不同 |
|---|---|---|---|
| Année 1 | $3,113 | $3,084 | $29 |
| Année 3 | $10,007 | $9,774 | $233 |
| Année 5 | $17,900 | $17,232 | $668 |
Your Savings Summaryfootnote star
Your total FHSA contributions
$15,000
Your FHSA savings growth
$2,900
Total FHSA value at the end of 5 years
$17,900
Difference between FHSA vs. taxable account
$668
Total tax savings from FHSA contributions
$3,750
Your Savings Summaryfootnote star
Your total FHSA contributions
$15,000
Your FHSA savings growth
$2,900
Total FHSA value at the end of 5 years
$17,900
Difference between FHSA vs. taxable account
$668
Total tax savings from FHSA contributions
$3,750
Your information
Your province or territory of residence
Alberta
Your annual taxable income
$0 - $53,359
How much do you plan to contribute to your FHSA each year?
$3,000
您想多久供款一次？
Monthly
In how many years do you plan on buying your first home?
5 年s
What’s your expected annual rate of return?
7%
FHSA Calculator FAQs
- footnote star details The future value of the investment is calculated based on the value of contributions made, either annually or monthly, the number of years the investment will be held, the rate of return you selected and the applicable tax rate. The above calculation assumes FHSA contributions totalling $15,000 over 5 years with an assumed rate of return of 7%.
- This calculator is for illustrative purposes only and doesn't constitute investment advice or a promise of future performance. 本计算器不是也不应构成对任何一方的投资或法律建议。 It does not take into effect the deduction of any fees or take all tax implications into consideration.不保证实际能达到所选的回报率。具有较高回报率潜力的投资也包含较高的风险。
- Our calculator allows you to view how your FHSA grows over a period time and compare your FHSA investment versus the same investment made in a taxable account while estimating potential tax implications.
- 该计算器假定所有供款都是根据您输入的频率在月初或年初进行的。 You may only contribution up to a maximum of $8,000 per year up to a lifetime contribution amount of $40,000.
- 收益范围用于估计您的个人税率。 As such, we have subtracted Federal and Provincial/territorial taxes from your income earned in a non‐registered plan. Provincial/territorial and Federal tax rates are from the 2023 tax year. Keep in mind that your actual tax rate may be different.
- For the purposes of illustrating potential tax savings, this calculator assumes that all investment earnings are solely interest income. Your actual investment earnings may also consist of dividends and capital gains.
- The calculator does not factor the age of the FHSA account holder. An FHSA must be closed or transferred to an RRSP or RRIF by December 31 of the year in which an account holder turns 71 years of age.
- For further information related to the FHSA, please contact a BMO Investment Professional.