Work out your RRSP room for 2026, the refund you could get at your marginal tax rate, and how your RRSP could grow. An estimate only; check your CRA My Account for your exact room.
Estimate only. Not financial, tax or legal advice. Nothing you type leaves your browser.
Checked Nov 2026. Rules change every year, so confirm against the official source before you act.
Spotted something out of date? Use the report form below the FAQ.
The dollar limit is $33,810, or 18% of your 2025 earned income if that is lower. Unused room from earlier years is added.
Contributions made in the first 60 days of 2027, up to March 1, 2027, can be applied to your 2026 tax return.
Roughly your deductible contribution multiplied by your combined federal and provincial marginal rate. At 30%, an $8,000 contribution returns about $2,400.
A lifetime buffer of $2,000 is tolerated. Above that, the CRA charges 1% per month on the excess until removed or absorbed by new room.