Are You on Track? Average TFSA & RRSP Balances By Age

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Издатель Sep 1, 2026

Wealthsimple (get a $25 bonus):https://wwwealthsimple.com/invite/EFHNZW
- The real average AND median RRSP and TFSA balances by age in Canada, and why the two numbers are so far apart
- The five tiers of registered savings, and what each one actually pays you in retirement income
- The one move that lifts you out of whichever tier you're in right now
- The exact balance where your money starts earning more than you can contribute
- What a 2% fee really costs you over twenty years (more than most people's entire TFSA)
- Four mistakes keeping Canadians stuck one rung below where they should be

If you've ever wondered:
- How much should I have in my RRSP at 40, 45, or 50?
- Am I behind on retirement savings in Canada?
- What's the average TFSA balance for my age?
- Should I put money in a TFSA or an RRSP first?
- How much do I actually need to retire in Canada?
- What is the OAS clawback and will it hit me?
- Can I put money back in my TFSA after I withdraw it?

Chapters
0:00 - The number nobody puts in the headline
1:21 - What you're getting in the next 18 minutes
2:48 - The real balances by age (and the gap nobody shows you)
4:43 - Tier 1: The Starting Line (under $25K)
6:35 - Tier 2: The Grind ($25K-$100K)
8:44 - Tier 3: The Turn ($100K-$250K)
10:54 - Tier 4: The Snowball ($250K-$500K)
13:14 - Tier 5: Optionality ($500K-$1M+)
15:45 - The 4 mistakes keeping Canadians one tier behind
17:53 - Your real target (it isn't a tier)

Links & tools
The Withdrawal Order Calculator - free: https://themaplefinance.com/
Canada vs US Break-Even Calculator: https://themaplefinance.com/break-even
Check your contribution room in CRA My Account: https://www.canada.ca/en/revenue-agency/services/e-services/cra-login-services.html

New here?
The Maple Finance breaks down Canadian money decisions with real numbers. RRSPs, TFSAs, FHSAs, mortgages, CPP, OAS, and the tax rules nobody explained to you. Canadian accounts, Canadian rules, Canadian dollars. No borrowed advice that doesn't work here.

Subscribe if you want more on:
- Retirement planning built for Canadian tax rules
- RRSP, TFSA, and FHSA strategy
- CPP and OAS timing
- Mortgages and housing math
- Keeping more of what you earn from the CRA

Disclaimer: This is not financial advice. I'm not your financial planner, accountant, or tax advisor. Everything here is for education only - always do your own research and speak to a licensed professional about your own situation. Figures cited are current as of 2026 and thresholds change.

#RRSP #TFSA #CanadianPersonalFinance #RetirementCanada #InvestingCanada #PersonalFinanceCanada #TheMapleFinance #FinancialFreedom