Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
Whether you're evaluating a stock, ETF, GIC, or real estate investment, this calculator shows your total return, annualized return (CAGR), and how much of your ending balance came from growth vs contributions.
Investment Return Calculator
Canadian Investment Account Types
TFSA: Best for most investors. Tax-free growth and withdrawals. Use for both short and long-term goals.
RRSP: Tax-deductible contributions. Best for higher earners saving for retirement. Taxed on withdrawal.
FHSA: Tax-deductible + tax-free growth + tax-free withdrawal for first home purchase. Maximum $40,000 lifetime.
Non-Registered: No contribution limits. Capital gains taxed at 50% inclusion rate. Dividends receive preferential treatment.
Free Banking to Help You Reach Your Financial Goals
Once you know your numbers, start acting on them. KOHO offers free banking with no monthly fees. Use code BREMO2026 for a bonus when you open your account.