Sky Strike 3DPlayRRSP Contribution Calculator
New RRSP room = 18% of last year’s earned income, up to the CRA dollar limit ($33,810 for 2026, $35,390 for 2027), minus any pension adjustment, plus your unused room.
Updated · by ViralScopeHub Team
- Free
- Instant result
- Private · on-device
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How to use: Pick the year, enter last year’s earned income, any pension adjustment from your T4 (box 52), unused room from your Notice of Assessment, and optionally your marginal tax rate.
Estimate your RRSP deduction limit for 2026 or 2027 and how much tax a contribution could save.
How the RRSP limit works
Each year’s new RRSP room is the lesser of 18% of your previous year’s earned income and that year’s dollar limit, reduced by pension adjustments from workplace plans. Unused room carries forward. Your exact figure is on your latest Notice of Assessment.
RRSP dollar limits (CRA)
| 2024 | $31,560 |
| 2025 | $32,490 |
| 2026 | $33,810 |
| 2027 | $35,390 |
Tax saved is roughly contribution × marginal tax rate; find yours with the Canada income tax calculator. Compare with the TFSA room calculator.
VSH take: RRSPs usually help most when your tax rate now is higher than it will be in retirement.
Examples
- Earned $85,000 in 2025: 2026 new room = $15,300.
- Earned $250,000: Capped at $33,810 for 2026.
- $15,300 at 30% tax rate: About $4,590 in tax saved.
Frequently asked questions
What is the RRSP limit for 2026?
$33,810, or 18% of your 2025 earned income if that is less.
What is the RRSP limit for 2027?
$35,390, based on 2026 earned income.
Where do I find my exact limit?
On your Notice of Assessment or in your CRA account.
What is the over-contribution buffer?
You can be over by up to $2,000 without the 1% monthly penalty tax.
Money calculators by country
- United Kingdom: Income tax & NI · Stamp duty
- Australia: Income tax
- New Zealand: Income tax & ACC
- Canada: Income tax · TFSA room
- United States: Federal income tax · Roth IRA · 401(k) · Mortgage
- India: Income tax · In-hand salary · SIP · FD
