416-300-7393
🚨 Deadline: March 2, 2026
⏰ RRSP Deadline Countdown
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💰 RRSP Season 2025 — Limited Time

Get Up to $13,000 Back in Tax Refunds This Year

Whether you have cash to invest or need an RRSP loan, we'll help you maximize your contribution and get the biggest tax refund possible. No money down? No problem — pay nothing until September.

4.95%
Loan Rate
120
Days No Payment
$0
Application Fee
  • Reduce your taxable income and get a bigger refund
  • RRSP loans available — use your refund to pay it off
  • Grow your retirement savings tax-free
  • Free personalized consultation
  • Serving Brampton, Mississauga & the GTA

Get Your Free RRSP Analysis

See exactly how much you can save

Your information is secure and confidential
Two Ways to Save

Choose the Option That Works for You

Whether you have money saved or need a loan, we help you maximize your RRSP contribution and tax refund.

💵

I Have Money to Contribute

Put your savings to work and get rewarded with tax refunds

  • Reduce your taxable income immediately
  • Get up to 40%+ back as a tax refund
  • Grow your money tax-free until retirement
  • Multiple investment options available
  • Contribute up to $32,490 for 2025
Example: $20,000 at 35% bracket
$7,000 Tax Refund
🎯

I Need an RRSP Loan

No cash? Borrow smart, get your refund, pay it off.

  • Borrow at just 4.95% interest rate
  • No payments for 120 days
  • Use your tax refund to pay down the loan
  • No application or prepayment fees
  • Get approved in as little as 24 hours
Borrow $25,000 → Get $10,000 refund
Only $15,000 Left to Pay
Interactive Calculator

See Your Tax Refund in Real-Time

Adjust the sliders to estimate how much you could get back based on your income and contribution.

RRSP Tax Refund Calculator

Estimates based on 2025 Ontario tax brackets

$100,000
$15,000
Your Estimated Tax Refund
$4,448
Based on 29.65% marginal tax rate
💡 Don't have $15,000? Get an RRSP loan! You'll receive $4,448 as a refund, leaving only $10,552 to pay off — and no payments until September!
Simple Process

How It Works

Getting started with your RRSP is easy. Here's what to expect.

1

Book Consultation

Fill out the form or call us to schedule your free consultation.

2

We Analyze Your Situation

We review your income, contribution room, and recommend the best strategy.

3

Make Your Contribution

Contribute with your own funds or get approved for an RRSP loan.

4

Get Your Tax Refund

File your taxes and receive your refund — use it to pay down your loan!

Trusted Partners
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Client Success

What Our Clients Say

Hear from real people who have grown their retirement savings with us.

★★★★★

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Your Advisor

Meet Manjit Sandhu

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Manjit Sandhu

Financial Advisor

With years of experience helping families in Brampton and Mississauga build their financial futures, I specialize in RRSP strategies that maximize your tax refunds and grow your wealth. Whether you have savings to invest or need an RRSP loan, I'll create a personalized plan that fits your unique situation and goals.

My approach is simple: understand your needs, explain your options clearly, and help you make the best decision for your family. I'm committed to providing honest advice and exceptional service.

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Licensed Financial Advisor
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500+ Families Served
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15+ Years Experience
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Free Consultations
Common Questions

Frequently Asked Questions

The deadline to contribute to your RRSP for the 2025 tax year is March 2, 2026. Any contributions made by this date can be claimed as a deduction on your 2025 tax return, reducing your taxable income and potentially getting you a refund.
For 2025, you can contribute up to 18% of your previous year's earned income, to a maximum of $32,490. You can also use any unused contribution room from previous years. Check your Notice of Assessment or CRA My Account to see your exact contribution limit.
An RRSP loan allows you to borrow money specifically to contribute to your RRSP. You get the tax deduction and refund immediately. With a 120-day payment deferral, you don't make payments until September — giving you time to receive your tax refund and use it to pay down the loan. The current rate is 4.95% with no application fees.
For most people in a 30-40% tax bracket, yes. On a $25,000 contribution, you'd get $7,500-$10,000 back as a refund. The interest you pay on the loan (at 4.95%) is typically much less than the immediate tax savings plus the long-term benefit of having that money grow tax-free in your RRSP.
Your refund depends on your marginal tax bracket. In Ontario, on a $25,000 contribution: at 20% bracket you'd get ~$5,000 back; at 30% bracket you'd get ~$7,500 back; at 40% bracket you'd get ~$10,000 back. Use our calculator above to get a personalized estimate.
Yes! There are no prepayment penalties. You can make lump-sum payments at any time, including using your tax refund to pay down a significant portion of the loan right away. Most clients use their refund to immediately reduce what they owe.

Don't Miss the RRSP Deadline

Every day you wait is a day your money isn't working for you. Book your free consultation today and start building your retirement.

Get Free Consultation → 📞 Call 416-300-7393

📅 RRSP Deadline: March 2, 2026  |  📍 Serving Brampton, Mississauga & GTA