Interactive calculator · 2026

FHSA Bitcoin growth calculator

$8,000 a year. $40,000 lifetime. Zero tax on a qualifying home purchase. Direct Bitcoin is not eligible - TSX Bitcoin ETFs are.

Your inputs

Annual contribution Horizon Expected annual return Province (tax comparison)

Projected FHSA balance

Tax-free on a qualifying home purchase

Contributions

Tax-free growth

You save $0 in capital gains tax versus the same ETF in a taxable account, using this province’s marginal rate and 50% inclusion.

$8,000 / year

Unused room carries forward one year only.

$40,000 lifetime

Cap across all FHSA accounts.

Deductible

Contributions reduce taxable income like an RRSP.

No home?

Transfer to an RRSP tax-free. Does not use RRSP room.

Can I hold Bitcoin ETFs in an FHSA?

Yes - TSX-listed funds such as FBTC and BTCX.B. Coins on an exchange are not FHSA-eligible.

How the projection is built

End-of-year contributions, annual compounding at the selected rate. Lifetime cap is applied: contributions stop at $40,000 even if the year count would exceed it.