Looking for the US edition? Prices and calculators there use USD. Switch to Hunch US
Short, honest answers to the questions people actually ask — each one ending at a calculator that runs your own numbers instead of somebody else's average.
One question per page, answered directly in the first paragraph, then the detail underneath.
As a starting point, save 20% of your take-home pay. That figure is a default, not an answer — the number that matters is the one that clears your specific goals on your specific timeline.
Compare your marginal tax rate today against the rate you expect when you withdraw. Higher now favours an RRSP; higher later, or unknown, favours a TFSA. If the rates are the same, so is the outcome.
Ten percent of take-home pay is a floor, 20% is a good target, and above 30% you are buying years of freedom rather than just security. What counts as good depends on when you started and what you are aiming at.
Every guide ends at one of these. If you already know the question, start here instead.
Connect your accounts and Hunch answers these questions with your real numbers, not a worked example.
Get started for free