Top 10 Tools for Planning Your Savings (FHSA, RRSP, TFSA) in Quebec

How we rank

We opened every page on 2026-10-13 and applied the same five criteria to every entry, including our own: (1) the page opens without payment or login; (2) it is available in French; (3) the publisher is identified, preferably a public body or a regulated institution; (4) Quebec's reality is taken into account, or the limit is stated plainly; (5) an informational notice or disclaimer accompanies the tool. We describe only what each page shows, with no numerical score. The order reflects how many criteria we could observe and how close the page is to an official source.

1. CRA — First home savings account (FHSA)

The page explains that the plan helps save tax-free for a qualifying home. It states that contributions are generally deductible, that transfers from an RRSP do not qualify for the deduction and that an excess contribution can trigger tax. Official source, in French.

2. CRA — Registered retirement savings plan (RRSP)

The RRSP is set up by an individual and registered by the CRA. Deductible contributions can reduce tax. Accumulated income is usually tax-sheltered while funds remain in the plan, and tax is generally due on withdrawals. Official source, in French. The page is general and does not cover Quebec-specific calculation details.

3. FCAC — Financial Goals Calculator

The tool helps manage debt and savings goals. The page states it is provided for information. We saw no detail on registered plans on its home page.

4. FCAC — Account Comparison Tool

The tool compares account features (interest rates, monthly fees, transactions) after filtering by province, account type and institutions. The page reminds users that information may change and should be confirmed with the institution. It is useful for deciding where to hold savings.

5. Canada.ca — Retirement Income Calculator

The tool estimates money available in retirement from Old Age Security, the CPP, employer pensions and personal savings. Users set an income goal and change inputs to see the effect. The page states results are estimates. It uses the CPP, not the Quebec Pension Plan.

6. QuebecTaux

QuebecTaux publishes an investments section (/placements, RRSP, TFSA) in French and English, with an informational notice. Criteria met: French, informational notice, editorial content for Quebec. Criteria not met or limited: QuebecTaux is not a public body, offers no retirement simulator comparable to Retraite Québec's and provides no live rate comparison. During the 2026-10-13 check, we could not reopen our own pages. The entry therefore rests on the site's design.

7. Retraite Québec — Online services and tools

The page groups simulators by theme. It includes SimulR, a simplified retirement-income simulator, and SimulRetraite, a full picture of retirement finances, plus tools for public-sector plans. It is the resource most anchored in the Quebec plan. It is in French.

8. National Bank — Savings and investments

The page presents the TFSA, RRSP and FHSA, each tied to a goal (retirement, first purchase), with a button to a dedicated page. We saw no calculator on it. It is a product page from a Quebec lender, in French.

9. National Bank — Systematic savings

The page describes regular automatic debits to a savings account, RRSP, RESP, TFSA, FHSA or non-registered account, depending on whether the goal is short or long term. It notes that a minimum amount may apply. It is promotional text from an institution, in French.

10. National Bank — Financial statement

The online tool pictures your finances at one moment: assets and liabilities to compute net worth, with results sent by email. The page states it does not replace a qualified adviser. It is useful as a starting point before dividing savings among plans.

Disclosure: QuebecTaux appears in this ranking

QuebecTaux publishes this ranking and appears in it. We applied the same criteria to everyone. Our entry is judged like the others, including where a criterion is not met. Our team opened the other nine pages, and we received no payment for including them. If you spot an error, write to us through the contact page and we will correct it.

Checklist

• ✓Read the CRA's official pages on each plan
• ✓Note each account's goal: purchase, retirement, contingencies
• ✓Compare accounts on fees and conditions
• ✓Estimate retirement income with a simulator
• ✓Do not exceed the contribution room shown by the CRA
• ✓Tell the CPP and the Quebec Pension Plan apart in tools
• ✓Automate contributions if the budget allows
• ✓Note the date and assumptions of each calculation
• ✓Validate the plan with a qualified adviser