CDIC coverage calculator.

How the calculation works

For each member institution, balances are grouped by category. Each group is insured up to $100,000, principal and interest combined; anything above is uninsured excess: uninsured = max(0, balance − limit). Categories are insured separately, so $100,000 in your own name plus $100,000 in a TFSA at the same bank are both fully covered. The same balance split across two member institutions is also covered separately at each.

Categories: one name, joint, RRSP, RRIF, TFSA, RDSP, RESP, FHSA and trust. Joint: each set of different owners gets its own $100,000 for all of their joint accounts combined. Trust: $100,000 per beneficiary if the trustee has met CDIC's disclosure rules; this tool assumes they have and applies the largest beneficiary count you enter for that institution (equal interests assumed). Without disclosure, CDIC protects only $100,000 in the trustee's name.

Not covered: mutual funds, stocks, bonds, ETFs and cryptocurrencies (including stablecoins). Choose those from the account type list to see them set aside rather than counted.

Worked example

CDIC's own joint example: $75,000 and $25,000 in two joint accounts with a spouse, plus $150,000 in a joint account with a spouse and a child. Total $250,000. The two spousal accounts share one $100,000 limit (fully insured at $100,000); the account with the child is a different set of owners, so it gets its own $100,000 and $50,000 is uninsured. Protected: $200,000. Use the Load example button to run it.

Sources and as-of date

Read 29 September 2026 and re-checked 30 September 2026. The 30 September check found no mortgage tax deposit category on CDIC's coverage pages, so none is modelled.

• CDIC — How deposit insurance works ($100,000 per category, principal and interest; the nine categories)
• CDIC — What's covered (eligible deposits and products that are not eligible)
• CDIC — Joint deposits
• CDIC — Deposits held in trust