2026 Contribution Limit
$0
Available Room
$0
Estimated Tax Refund
$0
Projected Value (65, 5%)
$0
Calculate your RRSP contribution room, estimate your tax refund, and project retirement growth using our free Canadian RRSP calculator. Enter your income, unused room, and planned contribution to see your 2026 RRSP deduction limit, immediate tax savings at your marginal rate, and projected growth to retirement.
The 2026 RRSP dollar limit is $33,810. Your personal limit is the lesser of $33,810 or 18% of your 2025 earned income, plus any unused carry-forward room from prior years shown on your CRA Notice of Assessment.
Start with 18% of your prior-year earned income (capped at $33,810 for 2026), subtract any pension adjustment from a workplace plan, then add any unused carry-forward room from prior years. Your CRA Notice of Assessment shows your exact deduction limit.
Your RRSP refund equals your contribution amount multiplied by your combined federal + provincial marginal tax rate. For example, at a 30% marginal rate, a $10,000 contribution saves you approximately $3,000 in taxes.
The deadline to contribute to your RRSP and claim it on your 2025 tax return is March 2, 2026 — 60 days into the new year. Contributions made between January 1 and March 2, 2026 can be applied to either the 2025 or 2026 tax year.
The RRSP Calculator Canada is a free online tool that helps Canadian taxpayers calculate their RRSP contribution room for 2026 based on their earned income, unused carry-forward amounts, and pension adjustments. It also estimates the immediate tax refund you'll receive based on your combined federal and provincial marginal tax rate.
The 2026 RRSP dollar limit is $33,810. Your personal limit is the lesser of $33,810 or 18% of your 2025 earned income, plus any unused carry-forward room from prior years shown on your CRA Notice of Assessment.
Start with 18% of your prior-year earned income (capped at $33,810 for 2026), subtract any pension adjustment from a workplace plan, then add any unused carry-forward room from prior years. Your CRA Notice of Assessment shows your exact deduction limit.