RRSP Contribution & Refund Calculator
Find your 2026 RRSP contribution room and the tax refund a contribution could generate. RRSP room is 18% of your prior-year earned income, up to the 2026 dollar limit of $33,810. The estimated refund is your contribution multiplied by your marginal tax rate, so a higher marginal rate means a larger refund.
Estimate only for the 2026 tax year. Not tax, accounting or financial advice. Talk to RN Canada about your situation.
Frequently asked questions
Your RRSP room is 18% of prior-year earned income, capped at the 2026 dollar limit of $33,810, plus any carry-forward room from earlier years.
Roughly your contribution multiplied by your marginal tax rate. A $10,000 contribution at a 36% marginal rate returns about $3,600. The calculator estimates this for you.
Yes. RRSP limits are federal and identical across provinces. Your refund, however, depends on your marginal rate, which varies by province.