General information only — not financial advice for your situation.
This is a learning tool. Always check CRA My Account records and talk to a qualified professional for your own numbers.
Plain English
A special investment account registered with the government that gives you tax benefits — like a TFSA, RRSP, or FHSA. Each has its own rules and limits.
Technical definition
A registered account is a statutory tax-sheltered investment vehicle governed by specific sections of the Income Tax Act. Examples include the TFSA (ITA 146.2), RRSP (ITA 146), FHSA (ITA 146.6), RESP (ITA 146.1), and RDSP. Each has legislated contribution limits, tax treatment rules, and CRA reporting requirements.
Examples
- • Your TFSA, RRSP, and FHSA are all registered accounts — each shelters investment growth from annual taxation.
- • You can hold stocks, bonds, GICs, and mutual funds inside a registered account like an RRSP, and the growth is not taxed until withdrawal.
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About this site
Every number on this site is sourced from CRA publications, the Income Tax Act, or provincial fiscal releases. We show the math, cite the sources, and never tell you what to do with your money.