Free tool · RRSP limit · no signup
RRSP deduction-limit calculator Your room, from last year’s pay.
Estimate your RRSP deduction limit: 18% of last year’s earned income up to the year’s maximum, less your pension adjustment, plus unused room.Complete every input with a valid amount to see the estimate.
2026 RRSP dollar limit
$33,810
2025 earned income that reaches it
$187,833
Complete every input with a valid amount to see the estimate.
Quick answer
RRSP limit 2026: $33,810
- 2026 RRSP dollar limit
- $33,810
- The most new room anyone gets for 2026
- Earned income that reaches it
- $187,833
- 18% of 2025 earned income
- 2027 dollar limit
- $35,390
- Already published by the CRA
Your 2026 RRSP deduction limit is your unused room from earlier years plus 18% of your 2025 earned income, up to the $33,810 dollar limit, minus your 2025 pension adjustment. Reaching the full $33,810 takes about $187,833 of 2025 earned income. Your notice of assessment shows the official figure.
Checked on canada.ca, October 6, 2026. Source: MP, DB, RRSP, DPSP, ALDA, TFSA limits, YMPE and the YAMPE
01
Your inputs
Copy unused room from your latest notice of assessment and the pension adjustment from your T4 slips (box 52). Leave PAR and PSPA at 0 unless you received a T10 or T215 slip.
Employment and self-employment earnings and certain other income, minus specific employment expenses and business or rental losses (CRA Guide T4040, chart 3).
Box 52 of your T4 slips plus box 034 of your T4A slips. Enter 0 if you had no registered pension plan or DPSP.
02
Your estimate
CRA chart 3 (Guide T4040): unused room + the lesser of 18% of last year’s earned income and the year’s dollar limit, minus last year’s pension adjustment (not below zero), plus PAR, minus net PSPA.
Complete every input with a valid amount to see the estimate.
Your notice of assessment is the official figure. The prescribed amount for connected persons, negative unused room or PSPA, HBP/LLP repayments and the timing of first-60-days contributions aren’t modelled. Contributing more than your limit can be taxed.
03
RRSP dollar limits by year, 2009–2027
Each year’s maximum new room. Reaching it takes 18% of the previous year’s earned income — the last column.
| Year | RRSP dollar limit | Earned income that reaches it |
|---|---|---|
| 2009 | $21,000 | $116,667 in 2008 |
| 2010 | $22,000 | $122,222 in 2009 |
| 2011 | $22,450 | $124,722 in 2010 |
| 2012 | $22,970 | $127,611 in 2011 |
| 2013 | $23,820 | $132,333 in 2012 |
| 2014 | $24,270 | $134,833 in 2013 |
| 2015 | $24,930 | $138,500 in 2014 |
| 2016 | $25,370 | $140,944 in 2015 |
| 2017 | $26,010 | $144,500 in 2016 |
| 2018 | $26,230 | $145,722 in 2017 |
| 2019 | $26,500 | $147,222 in 2018 |
| 2020 | $27,230 | $151,278 in 2019 |
| 2021 | $27,830 | $154,611 in 2020 |
| 2022 | $29,210 | $162,278 in 2021 |
| 2023 | $30,780 | $171,000 in 2022 |
| 2024 | $31,560 | $175,333 in 2023 |
| 2025 | $32,490 | $180,500 in 2024 |
| 2026 | $33,810 | $187,833 in 2025 |
| 2027published | $35,390 | $196,611 in 2026 |
04
Worked example
The default scenario, computed with this tool’s own math — replace the inputs above with your own numbers.
With $90,000 of earned income in 2025, 18% is $16,200 — under the 2026 maximum of $33,810. A $4,000 pension adjustment leaves $12,200 of new room; add $12,000 of unused room and the 2026 deduction limit is $24,200. After $5,000 of contributions, $19,200 is left.
- 18% of earned income (max $33,810)
- $16,200
- New room from 2025 income
- $12,200
- 2026 RRSP deduction limit
- $24,200
- Room left after contributions
- $19,200
05
Common questions
What the numbers mean — and what they leave out.
- What is the RRSP limit for 2026?
- The RRSP dollar limit for 2026 is $33,810, and the CRA has already published $35,390 for 2027. Your personal deduction limit is 18% of your 2025 earned income up to that maximum, minus your 2025 pension adjustment, plus any unused room carried forward.
- How much income do I need to max out my RRSP?
- About $187,833 of earned income in 2025: 18% of that reaches the 2026 limit of $33,810. Above that, new room stops growing — unused room from earlier years still adds on top.
- What is a pension adjustment?
- It is the value of the benefits you earned during the year in a registered pension plan or deferred profit-sharing plan, shown in box 52 of your T4 slip (and box 034 of a T4A). It isn’t income, but the CRA subtracts it when it calculates your RRSP room for the next year.
- Where do I find my actual RRSP deduction limit?
- On the RRSP Deduction Limit Statement of your latest notice of assessment or reassessment, in your CRA account, or on Form T1028 if the CRA sent you one. Later assessments can change it, so treat this calculator as an estimate.
- What happens if I contribute more than my RRSP limit?
- Generally, contributions that exceed your RRSP deduction limit by more than $2,000 are taxed at 1% per month, reported on form T1-OVP. Within that margin there is no penalty tax, but the extra can only be deducted once you have room.
- Until what age can I contribute to an RRSP?
- Until December 31 of the year you turn 71, as long as you have deduction room. You can keep contributing to a spouse’s or common-law partner’s RRSP until the end of the year they turn 71.
06
Your other registered accounts
TFSA, FHSA and RRSP room with the CRA’s own figures — plus a free tracker for the wheel trades inside them.
07
The rest of the workbench
Every free tool, one click away — plus the terms behind these numbers.
08
Keep going
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