Mozaic Finance FHSA tracking

Track your FHSA balance, holdings, and contribution room

The First Home Savings Account is the newest registered account and the easiest to lose track of, because the room rules are unlike the TFSA and the RRSP. Mozaic tracks the account itself, and a free calculator handles the room, so you always know two things: what your FHSA is worth, and how much you can still put in this year.

The FHSA gives you $8,000 of new room each year and $40,000 over your lifetime, but only from the year you open the account, and with a carry-forward rule that trips people up. Tracking it well means keeping two separate things straight: the value of the account, and the room you have left. Mozaic covers the first inside the app, and the second with a free calculator you do not need an account to use.

What Mozaic tracks in your FHSA

  • The account balance of every FHSA you hold, refreshed as each connection updates and rolled into your net worth.
  • The holdings inside it. An FHSA connected through SnapTrade at a supported brokerage shows each position, its cost basis, and its gain or loss. A bank-held FHSA connected through Plaid shows the balance.
  • Both FHSAs, if you have two. Room is shared across every FHSA you own, so Mozaic consolidates them into one balance rather than two disconnected views.
  • Deposits as transactions in the account history, so you can see when you funded it.

Check your room with the free calculator

Contribution room is where the FHSA gets its own rules, so it gets its own tool. The FHSA contribution room calculator runs entirely in your browser, with no login and nothing sent anywhere. Enter the year you opened your FHSA and how much you have contributed so far, and it returns:

  • This year's room: $8,000 in your opening year, or up to $16,000 in later years when you carry forward an unused $8,000.
  • Remaining lifetime room against the $40,000 ceiling.
  • An over-contribution warning if your total contributions have crossed $40,000, where the 1%-per-month penalty applies.

The calculator assumes you did not contribute last year when it offers the carry-forward, and it does not model a designated transfer from an RRSP into an FHSA. For everything else, it matches the rules the CRA publishes.

How the FHSA room rules actually work

Three things make the FHSA different from the accounts you already know. Room starts the year you open the account, not the year you turned 18, so opening one with $0 is worth doing just to start the clock. Carry-forward is capped at a single year, so the most you can ever contribute in one year is $16,000. And the $40,000 lifetime limit is firm: withdrawals never restore room the way they do in a TFSA.

If you want the full picture, our FHSA contribution rules guide walks through the limits, the qualifying-withdrawal conditions, and the 15-year deadline, and our FHSA versus RRSP versus TFSA comparison covers which account to fund first. Both are free to read.

Track your FHSA next to everything else

14-day free trial, no credit card. Connect your FHSA and the rest of your accounts, and use the free room calculator whenever you contribute.

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Frequently asked

Mozaic tracks your FHSA account balance and the holdings inside it. To see your contribution room, use the free FHSA contribution room calculator: enter the year you opened the account and how much you have contributed so far, and it returns this year's room and your remaining lifetime room. The calculator is where the room math happens, because your contributed-to-date is something you confirm rather than something the account feed reports.
The FHSA gives you $8,000 of new contribution room each calendar year, starting the year you open the account. If you opened it in an earlier year and did not use last year's room, you can carry forward up to $8,000, so the most you can contribute in a single year is $16,000. Your first year is capped at $8,000 because there is no prior year to carry forward from.
$40,000 in total contributions, across every FHSA you own at every institution. Unlike the TFSA, FHSA withdrawals do not restore contribution room. Once you have contributed $40,000 in total, the room is gone for good.
Yes. Connect an FHSA through SnapTrade at a supported brokerage to see each position, its cost basis, and its gain or loss; a bank-held FHSA connected through Plaid shows the balance. If you hold FHSAs at more than one institution, Mozaic consolidates them into one balance alongside the rest of your net worth.
Our FHSA contribution rules guide covers the annual and lifetime limits, carry-forward, the qualifying-withdrawal conditions, and the 15-year deadline; the FHSA versus RRSP versus TFSA comparison covers when the FHSA is the right account to fund first. Both are linked above and are free to read.
FHSA contribution room calculator FHSA contribution rules FHSA vs RRSP vs TFSA TFSA tracker RRSP tracker Supported institutions