canada-registered-accounts SKILL.md skillA
canada-registered-accounts from ronitgupta43-ops/country-skills is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add ronitgupta43-ops/country-skills/canada-registered-accounts@git:20261101.d029a84Pins git:20261101.d029a84 in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- ronitgupta43-ops/country-skills
- Path
plugins/canada-finance/skills/canada-registered-accounts/SKILL.md- Versions recorded
- 2
- Latest version
- git:20261101.d029a84, committed Nov 1, 2026
- First version recorded
- Nov 1, 2026
- Size
- 3,711 bytes
- Repository stars
- 6
- License
- MIT
Work out TFSA, RRSP and FHSA contribution room and which account to fund first. Use when the user asks "how much TFSA room do I have", "RRSP limit", "FHSA", "TFSA vs RRSP", or is a newcomer to Canada asking where to save.
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# Registered accounts (TFSA / RRSP / FHSA) ## Limits (update every January) | | 2026 | |---|---| | TFSA yearly limit | $7,000 | | TFSA total since 2009 (eligible every year) | $109,000 | | RRSP dollar limit | $33,810 (2027: $35,390) | | RRSP rule | 18% of last year's earned income, up to the dollar limit | | FHSA | $8,000/year, $40,000 lifetime | ## TFSA room Run the script instead of adding by hand: ``` python scripts/tfsa_room.py --start 2022 --contributed 5000 --withdrawn-before-this-year 1000 ``` `--start` is the later of: the year the user turned 18, the year they became a Canadian resident, or 2009. Room only builds while they are 18+ and resident. ## RRSP room Don't estimate it. Tell the user it's on their Notice of Assessment or CRA My Account. Newcomers have no RRSP room until they have filed a return with earned income. Over-contributing more than $2,000 costs 1% per month on the excess. ## FHSA - Must be a first-time home buyer, resident, 18+. - Room starts only when the account is opened; unused room carries forward at most $8,000 (so max $16,000 in one year). - Contributions are deductible like an RRSP; qualifying withdrawals are tax-free. …
Read the whole file at its exact version.
How to install
mdr add ronitgupta43-ops/country-skills/canada-registered-accounts@sha256:61abbf618274296bThe line at the top of this page pins the label git:20261101.d029a84, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_2xyr2mowt5m3fzwk)
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Versions
The registry has recorded 2 versions of this file, all committed on Nov 1, 2026.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20261101.d029a84 latest | 2026-11-01 | d029a84 | 3,711 B | A | view · diff |
| git:20261101.6dbf093 | 2026-11-01 | 6dbf093 | 2,032 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (3711 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
ronitgupta43-ops/country-skills · 6 stars · license MIT · pushed 2026-11-06 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_2xyr2mowt5m3fzwk GET https://markdownregistry.com/api/v1/resolve?ref=ronitgupta43-ops/country-skills/canada-registered-accounts GET https://markdownregistry.com/api/v1/blob/61abbf618274296bb7a03b5072bcf6bd3bab34dc0043842091bab91df221ef44
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.