{"id":415,"date":"2026-10-29T00:03:47","date_gmt":"2026-10-29T04:03:47","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=415"},"modified":"2026-10-29T00:03:47","modified_gmt":"2026-10-29T00:03:47","slug":"the-tfsa-explained-tax-free-savings-made-simple","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/the-tfsa-explained-tax-free-savings-made-simple\/","title":{"rendered":"Le CELI expliqu\u00e9 : L&#039;\u00e9pargne libre d&#039;imp\u00f4t en toute simplicit\u00e9"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"415\" class=\"elementor elementor-415\">\n\t\t\t\t<section class=\"elementor-element elementor-element-900b868 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"900b868\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"900b868\">\n    <div class=\"elementor-element elementor-element-74c2a88 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"74c2a88\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"74c2a88\">\n    <article class=\"elementor-element elementor-element-4c60275 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"4c60275\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4c60275\">\n    <div class=\"elementor-element elementor-element-1ab20b5 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"1ab20b5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1ab20b5\">\n    <div class=\"elementor-element elementor-element-f50df22 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"f50df22\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f50df22\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"2db64b2\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"2a8cb3c\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"1f3d38c\">\n\tPlan d&#039;\u00e9pargne\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-fd77062 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"fd77062\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fd77062\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"a4b5192\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"a56e885\">Article 5 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"35ecaa7\">3 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"10afa1b\" class=\"title-lg e-heading-base e-default-h1\">Le CELI expliqu\u00e9 : L&#039;\u00e9pargne libre d&#039;imp\u00f4t en toute simplicit\u00e9<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"4a7cf9c\" id=\"42\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-10-1024x614.webp\" width=\"1024\" height=\"614\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-10-1024x614.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-10-300x180.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-10-768x461.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-10-1536x922.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-10-18x12.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-10-600x360.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-10.webp 1600w\" alt=\"Illustration of plants growing from stacks of coins\"\/>\t\t<div class=\"elementor-element elementor-element-590fd10 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"590fd10\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"590fd10\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"1b98d8a\">Le compte d&#039;\u00e9pargne libre d&#039;imp\u00f4t (CELI) est l&#039;un des outils financiers les plus utiles et les plus mal compris du Canada. Malgr\u00e9 son nom, il ne s&#039;agit pas seulement d&#039;un compte d&#039;\u00e9pargne\u00a0: c&#039;est un coffre-fort qui prot\u00e8ge votre argent de l&#039;imp\u00f4t.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"f5edbd6\" class=\"prose-heading e-heading-base e-default-h2\">Comment \u00e7a marche<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-dc16823 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"dc16823\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"dc16823\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"e40a0a8\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"fb1a7ab\" class=\"title-md e-heading-base e-default-h2\">Inscrivez-vous gratuitement pour continuer la lecture.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"188c243\">Les articles de base sont gratuits. Inscrivez-vous avec un nom d&#039;utilisateur et une adresse courriel, cliquez sur le lien d&#039;activation que nous vous envoyons pour d\u00e9finir votre mot de passe, puis connectez-vous pour lire les 50 articles de base.<\/p>\n\t\t<div class=\"elementor-element elementor-element-81f437a e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"81f437a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"81f437a\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/wp-login.php\/?action=register\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"58188bf\">\n\tS&#039;inscrire gratuitement\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"a0ea6be\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-5870cb4 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"5870cb4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5870cb4\">\n    <a class=\"elementor-element elementor-element-25db496 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"25db496\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"25db496\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/savings-accounts-in-canada-choosing-the-right-one\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"f976cf9\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"7fc6d6e\">Comptes d&#039;\u00e9pargne au Canada\u00a0: comment choisir le bon\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-669d8fe e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"669d8fe\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"669d8fe\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-for-your-first-home-with-the-fhsa\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"24ea946\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"8bafe83\">\u00c9pargner pour votre premi\u00e8re propri\u00e9t\u00e9 avec le CELIAPP<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-d808b2e e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"d808b2e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d808b2e\">\n    <div class=\"elementor-element elementor-element-6e6b3bb e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"6e6b3bb\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6e6b3bb\">\n    <div class=\"elementor-element elementor-element-371206d e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"371206d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"371206d\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"803abe5\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"364671a\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-c48cf82 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"c48cf82\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c48cf82\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/why-saving-matters-your-first-step-to-financial-security\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"8f0bc92\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"01b5b83\">L&#039;importance de l&#039;\u00e9pargne : votre premier pas vers la s\u00e9curit\u00e9 financi\u00e8re<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-8691139 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"8691139\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8691139\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/how-to-build-an-emergency-fund-even-on-a-tight-budget\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"31bfa0f\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9fd92ad\">Comment constituer un fonds d&#039;urgence (m\u00eame avec un budget serr\u00e9)<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-129e8b0 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"129e8b0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"129e8b0\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/budgeting-basics-finding-the-money-to-save\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"81f048b\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d1920c2\">Principes de base de la gestion budg\u00e9taire\u00a0: trouver l\u2019argent \u00e0 \u00e9pargner<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-be4ebc1 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"be4ebc1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"be4ebc1\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/savings-accounts-in-canada-choosing-the-right-one\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"8670281\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"6accbdd\">Comptes d&#039;\u00e9pargne au Canada\u00a0: comment choisir le bon\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-33d7e15 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"33d7e15\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"33d7e15\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/the-tfsa-explained-tax-free-savings-made-simple\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"66b0e80\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"f8a9230\">Le CELI expliqu\u00e9 : L&#039;\u00e9pargne libre d&#039;imp\u00f4t en toute simplicit\u00e9<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-515cef5 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"515cef5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"515cef5\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-for-your-first-home-with-the-fhsa\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"b804af6\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"0693639\">\u00c9pargner pour votre premi\u00e8re propri\u00e9t\u00e9 avec le CELIAPP<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-770cf28 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"770cf28\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"770cf28\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/rrsp-basics-saving-for-retirement-while-lowering-your-taxes\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"8feab8b\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"03a8740\">Principes de base du REER\u00a0: \u00c9pargner pour la retraite tout en r\u00e9duisant vos imp\u00f4ts<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-5fa5dd1 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"5fa5dd1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5fa5dd1\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-as-a-newcomer-your-first-12-months-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c5c3c40\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"c4568eb\">\u00c9conomiser en tant que nouvel arrivant : vos 12 premiers mois au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-a09b0e2 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"a09b0e2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a09b0e2\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-as-a-student-small-amounts-big-habits\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"919bcad\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"75977e8\">\u00c9pargner quand on est \u00e9tudiant\u00a0: petites sommes, grandes habitudes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-ade3da7 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"ade3da7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ade3da7\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/7-common-savings-mistakes-and-how-to-avoid-them\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"e7fed09\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"b7fc558\">7 erreurs courantes en mati\u00e8re d&#039;\u00e9pargne et comment les \u00e9viter<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"37a543e\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Savings Plan Free with Basic Article 5 of 10 3 min read The TFSA Explained: Tax-Free Savings Made [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":410,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-415","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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