Your down payment, with less tax.

Your down payment can lower your tax. Plus puts every dollar in the right account (, or ), works out the tax you save and puts the purchase in your plan.

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Free, no account. You move to Plus only if you want to.

A man hangs a frame on the wall of his new place.

Sample household

Sofia and Karim, 31 and 32, Longueuil

Example: Québec

$17,336
less tax with their FHSAs by the purchase, for both of them
$5,779
of it, because they open their FHSAs this year instead of next (their room starts sooner)
$48,000
of their down payment going into their FHSAs by the purchase, from their own savings

Couple limits: $40,000 each in an FHSA, and up to $60,000 each borrowed from your through the HBP.

The example’s answers

Sofia and Karim earn $68,000 and $74,000 a year, have $18,000 in a TFSA and set aside $1,500 a month. They’re aiming for a $480,000 home within 1 to 3 years, and neither has an FHSA yet. Worked out by the Huard & Co engine under 2026 rules, from these answers.

What Plus does for you: Buy

FHSA, Home Buyers’ Plan and TFSA: your down payment account by account, the tax you save, and the purchase year in your plan.

Every down payment account in its place
The FHSA first: going in, tax-free coming out for the purchase. Then the HBP and the TFSA. Plus shows you how much goes in each, and when.
Down payment limits, account by accountSample household
Limits per person
FHSA$40,000
Deductible going in, tax-free for the purchase. $8,000 a year.
HBP (borrowed from your RRSP)$60,000
No tax on the withdrawal, repaid over 15 years.
Limit for a couple sheltered from tax, if you have the savings to fill them.$200,000
2026 rules, with official sources in every calculation.
Your down payment, month after month
At your monthly check-in, each account moves toward this year’s target: you see what’s left to put in by December 31, and what went in.
Sofia and Karim’s check-in, October 2026Sample household
Each account moves toward this year’s target.
FHSA (Sofia)$0 of $8,000
To put in by December 31, from their savings.
FHSA (Karim)$0 of $8,000
To put in by December 31, from their savings.
TFSA (Sofia)$6,462 of $8,619
TFSA (Karim)$5,256 of $7,005
RRSP (Karim)$1,782 of $2,376
What was logged at each monthly check-in this year, before any returns.
2026 rules, with official sources in every calculation.
Two choices side by side
Buy now or in two years, buy or rent: , tax and when you could retire, on each side, before you sign.
Side by side: four days a week from 55 would leave them $368,000 less at 96, for $108,000 less tax. Fictional example: Priya and Daniel, Mississauga

The screenshots show the real product, filled in with a fictional household.

One Plus, one price

The same Plus for every stage: it opens on your stage’s tools, and you switch when your life does.

Plus

Your plan, kept current, month after month.

Cancel renewal in one click, anytime. We email you 7 days before each renewal.

The monthly check-in (2 minutes)
Your TFSA, RRSP and FHSA room watched
The Plan for the year included

Everything included

Scenarios and your stage’s tools
What your actions are worth, confirmed
Everything in Free

Plus adapts to your stage

StartFirst steps, at any age
Student loans, a card, your cushion and your employer’s match in the right order, your first big purchases, the raise ahead, and each month what’s yours, guilt-free.
BuyA first home in sightYou are here
FHSA, Home Buyers’ Plan and TFSA: your down payment account by account, the tax you save, and the purchase year in your plan.
FamilyKids, or one on the way
The and its grants, child benefits, parental leave: what each child changes, year after year.
BuildYou already invest
Where each dollar goes once your accounts are full, what your fees cost in years, your financial independence date, and what to do with a raise, a bonus or a tax refund.
Retire55 and over, or retired
When to start or and , which account to draw from first, pension splitting, and your income year by year.

Everything in Plus

See Plus before you pay

Open Plus as Sofia and Karim, the fictional example on this page, with no account and no payment. Nothing is saved and your own plan is never touched.

Try Plus with an example

Your questions

A first home in sight

FHSA or HBP: which one should I use?

Often both. The FHSA is deductible and tax-free for the purchase, up to $40,000 per person. The HBP lets you withdraw up to $60,000 from your RRSP tax-free, repaid over 15 years. The plan works out what each one saves you.

Should I open an FHSA even with nothing to put in?

Yes: the room, $8,000 a year, only starts adding up once the account is open. Opening early, even empty, gives you more room before you buy.

Am I a first-time buyer?

For the FHSA and the HBP, yes if neither you nor your spouse lived in a home you owned this year or in the previous 4 years.

Does Plus tell me how much I can afford?

Plus puts the purchase in your projection: the down payment, the mortgage and what’s left each month after. You see whether your plan holds before you sign. Your lender runs its own numbers.

What if I change my mind?

Cancel the renewal in one click from your account, and access stays until the end of the paid year. We email you before every renewal. Your free plan stays yours.

Start with your free plan.

A few minutes, no account. Your plan shows you what to do this month; Plus keeps it current after that.