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MoneyStant

MoneyStant · Tool

TFSA vs RRSP Decision Engine (2025)

Not sure whether to put your next dollar into TFSA or RRSP? MoneyStant uses your shared 2025 CRA-based tax engine to calculate your current marginal tax rate and RRSP refund, then gives a simple recommendation for this year — plus a suggested TFSA/RRSP split.

Same list and styling as your Net Pay / RRSP tools.

Locked to your 2025 CRA setup.

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Your total income before deductions.

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This can go into TFSA, RRSP, or any mix.