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RRSP Tax Savings Calculator 2026
Work out how much tax an RRSP contribution saves in your province, your marginal rate and your 2026 deduction limit (18%, up to $33,810).
Your income and RRSP
Tax you save
$1,483
💡 Good to know
- Contributions made by 1 March 2027 can be deducted on your 2026 return.
- You pay tax later when you withdraw, usually at a lower rate in retirement.
- First home? Up to $60,000 can be withdrawn tax-free under the Home Buyers' Plan, and the FHSA is often even better.
- Can't use all your room this year? It carries forward forever.
Estimate using 2026 federal and provincial tax tables (Quebec not included). Rules last checked: October 2026. 🔒 Everything stays on your device. (max $33,810)
✅ Rules last checked:
📚 Official sources: CRA: RRSP
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
What is the RRSP limit for 2026?+
18% of your 2025 earned income, up to $33,810, plus any unused room from earlier years and minus any pension adjustment. Your Notice of Assessment shows your exact limit.
How much tax does an RRSP save?+
Roughly your contribution × your marginal tax rate. The higher your income, the more you save per dollar.
What's the RRSP deadline?+
Contributions made in the first 60 days of 2027 (by 1 March 2027) can be deducted on your 2026 return.