About

Room & Rollover is an independent information site about running Canadian registered accounts: choosing between an RRSP, TFSA and FHSA, opening them, keeping track of contribution room, making withdrawals, using the Home Buyers' Plan and Lifelong Learning Plan, converting an RRSP to a RRIF at 71 and keeping fees and foreign withholding tax under control.

It is written for Canadian residents in every province and territory, with Quebec differences noted where the rules differ. The guides explain how the accounts work and walk through worked examples; the calculators let you repeat the arithmetic with your own figures.

We do not sell financial products, rank providers or publish anyone's fees as current prices. Any fee, MER or return in an example is illustrative and labelled as such. Limits and rates are taken from the Canada Revenue Agency, Revenu Québec, CIPF and CDIC, and each guide names the source to check, because rules are indexed and change with budgets.

This site is general information, not financial, tax, legal or investment advice. It does not know your income, your pension adjustment, your family situation or your province's estate rules. Before making a large withdrawal, a spousal contribution, a transfer or an estate decision, check your own records and consider talking to a qualified professional.

How this site is made

Room & Rollover is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.