Save For Your First Home,
Tax-Free Both Ways

The First Home Savings Account (FHSA) combines the best of RRSP and TFSA — contributions are tax-deductible AND withdrawals for your first home are completely tax-free. A game-changer for first-time buyers.

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First Home Only

Exclusively for first-time home buyers in Canada.

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Tax-Deductible

Contributions reduce your taxable income like an RRSP.

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Tax-Free Withdrawal

Withdrawals for a qualifying home are completely tax-free.

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15-Year Window

Account stays open for up to 15 years or until age 71.

Why FHSA

The most powerful tool
for first-time home buyers

No other account in Canada gives you a tax deduction on the way in AND tax-free growth and withdrawal on the way out. An FHSA can save first-time buyers tens of thousands of dollars in taxes over the savings period.

$40,000

Lifetime Contribution Limit

$8,000/yr

Annual Contribution Limit

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Double Tax Advantage

Tax-deductible contributions AND tax-free withdrawals — unique in Canada.

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RRSP Transfer

Unused funds transfer to your RRSP without using RRSP room.

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Investment Growth

Hold GICs, mutual funds, ETFs, and stocks inside the FHSA.

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Both Partners

Both you and your spouse can each open an FHSA — combine for $80K.

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Carry Forward

Unused annual contribution room carries forward one year.

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Complements HBP

Use alongside the RRSP Home Buyers Plan for maximum benefit.

Your first home is closer than you think — open an FHSA today and save double.

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Save For Your First Home, Tax-Free Both Ways

The most powerful tool for first-time home buyers

Save For Your First Home,
Tax-Free Both Ways

The most powerful tool
for first-time home buyers