
· Isabelle Reuben
Wealthsimple FHSA 2026: Limits, Eligibility & The $0 Opening Trick
Start the carry-forward clock with a $0 deposit, defer deductions to a higher bracket, and use the RRSP exit if you never buy. The mechanics most guides skip.
The First Home Savings Account lets first-time buyers save up to $40,000 tax-free for a down payment. Combine it with the Home Buyers' Plan for up to $100K. These guides cover eligibility, strategies, and how to get started on Wealthsimple.

Start the carry-forward clock with a $0 deposit, defer deductions to a higher bracket, and use the RRSP exit if you never buy. The mechanics most guides skip.
Opening a new Wealthsimple account? Use a referral code to get a $25 cash bonus on your first deposit.