Free Canadian Tax Tool · 2026

RRSP Contribution Room Estimator

Your maximum 2026 RRSP contribution, the refund it could generate at your marginal rate, and your runway to retirement — using current CRA limits and 2026 tax brackets for every province and territory.

Your Details

Employment or net self-employment income for 2025 — this sets your new 2026 room.
You can contribute until Dec 31 of the year you turn 71.
Box 52 on your 2025 T4. Enter 0 if you have no workplace pension.
From your latest CRA Notice of Assessment ("RRSP deduction limit") or CRA My Account.

Your Results

Total RRSP Room for 2026
$0
New room earned (18% of 2025 income, max $33,810) $0
Less: pension adjustment −$0
Plus: carried-forward room +$0
Your combined marginal tax rate (Federal + NS) 0%
Estimated refund if you contribute the full amount $0
Years until target retirement —
Contribution years remaining (to age 71) —
You're at or past the RRSP contribution cut-off (Dec 31 of the year you turn 71). A spousal RRSP (if your spouse is younger) or TFSA strategy may still work — worth a conversation.
How the refund is estimated: your deduction is applied down through the 2026 combined federal + provincial marginal rate schedule for your province (including basic personal amounts, surtaxes, and low-income reductions), so large contributions that cross tax brackets are calculated accurately — not at one flat rate.

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Estimates for education only, using 2026 CRA limits ($33,810 RRSP dollar limit) and 2026 federal + provincial tax rates. Not tax, investment, or financial advice. Your exact RRSP deduction limit is on your CRA Notice of Assessment or in CRA My Account. Quebec figures reflect the federal abatement. Consult a qualified professional before acting.