Is employer RRSP match free money?
Yes. Match is compensation contingent on your contribution. Not capturing full match is a pay cut you chose.
Behavioral lens: Mental accounting
Group RRSP Optimizer
See employer match value and free money left on the table. Plus a behavioral lens on mental accounting so the math matches your mindset.
Educational estimates only. Not personalized advice. Data targets 2026 Canadian rules.
Group RRSP
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$
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Employer match value
Employer match this year$3,000
Total annual contribution$6,000
Free money left on table$1,750
Future value with match$25,751
Match advantage$12,876
Behavioral lens: Mental accounting
Mental accounting on employer match
Match dollars feel like HR paperwork, not salary. Mental accounting makes people under-contribute while leaving instant 100% returns on the table.
Capture every match dollar
PsyFi surfaces GRSP gaps in your savings plan so you never leave salary on the table.
Optimize retirement contributionsFAQ
Is this PsyFi calculator free?
Yes. Every PsyFi free tool runs in your browser with no signup. We built them to pair accurate Canadian math with behavioral science, not to gate basic estimates behind an account.
Does PsyFi store what I type?
No. Inputs stay on your device. Nothing you enter is sent to PsyFi servers.
Is this personalized financial advice?
No. These are educational estimates using published Canadian rules for 2026. They are not tax, legal, mortgage, or immigration advice. Confirm current rates and your situation with qualified professionals before acting.
Estimates for education only. Not financial, tax, mortgage, immigration, or legal advice. Canadian rules and rates change. Verify current figures with qualified professionals before making decisions. PsyFi tools add behavioral context; they do not replace personalized planning.