RRSP limit
$32.5K
2026 tax year CRA + 13 provinces Free · no signup Independent
Canada Revenue Agency · 2026 tax year — independent, not affiliated with CRA
Maximize your RRSP, TFSA & RESP
contribution room — every province.
Plug in your income, see the dollar value of tax you defer today — $32,490 RRSP room, $7,000 TFSA room, $50,000 RESP lifetime cap, all combined with your provincial marginal-rate schedule.
Annual contribution ceilings — 2026 tax year
RESP bar shows the $2,500/year that maximizes the 20% CESG federal match — not the full $50,000 lifetime cap.
TFSA cumulative
$102K
Provinces
13
Tax years
3
About this data
PlainRRSP encodes the Canada Revenue Agency's three core registered-account ceilings — the RRSP dollar limit (currently $32,490 for 2026 contributions, capped at 18% of prior-year earned income), the Tax-Free Savings Account's annual $7,000 room (lifetime $102,000 since the program began in 2009), and the Registered Education Savings Plan's $50,000 lifetime cap with its 20% Canada Education Savings Grant match up to $500 per child per year and $7,200 lifetime — into a single calculator that combines them with each province's marginal tax brackets.
The result is one number most Canadians cannot derive from any single CRA page: the dollar value of tax-deferred today, broken out across the three accounts, given your earned income, your province of residence, and your dependents. We do not store any of your inputs; the math runs in your browser. The underlying limit and bracket data is regenerated from official government sources and the source URL of every number we ship is visible on the methodology page.
RRSP vs TFSA — which comes first?
A side-by-side comparison of when each account wins.
How RRSP contribution room is calculated
Walk through the CRA formula — 18% of earned income, the dollar ceiling, carry-forward.
Provincial marginal rates 2026
Reference table for every province and territory.
All guides
Browse every PlainRRSP plain-language explainer.
Compare RRSP / TFSA / RESP / FHSA
Side-by-side reference of every Canadian tax-advantaged account.
RESP grant rules + lifetime CESG match
How to capture the 20% federal match and the $7,200 lifetime ceiling.
RRSP vs TFSA vs RESP — quick decision tree
- Marginal rate today > expected retirement rate? RRSP usually wins — the deduction is worth more than the tax you pay on withdrawal.
- Marginal rate today < expected retirement rate? TFSA usually wins — pay tax now at the lower rate, withdraw tax-free later.
- Have children under 18? Fund the RESP first to the $2,500/year that maximizes the 20% CESG match — that's a guaranteed $500 of free government money per child per year.
- Plans for the down payment on a first home? Use the Home Buyers' Plan to withdraw up to $60,000 from an RRSP, or the new First Home Savings Account (FHSA — coming to PlainRRSP in Phase 2).
Calculator ships in /calculator/ in the next build cycle.
Per-province tax-bracket coverage
Federal tax brackets are uniform across Canada, but provincial marginal rates vary widely — from Alberta's 10% bottom bracket to Nova Scotia's 21% top. Phase 1 ships Ontario brackets as the canary; the remaining twelve provinces and territories follow in Phase 2 with full historical-year coverage.
Provinces covered at launch: Ontario. Coming next: Quebec, British Columbia, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador, Prince Edward Island, Yukon, Northwest Territories, and Nunavut.
Frequently asked questions
Frequently Asked Questions
What is PlainRRSP?
PlainRRSP is a free, independent Canadian tax-planning portal. We turn the Canada Revenue Agency's RRSP, TFSA, and RESP rules — plus every province's marginal tax brackets — into a single calculator that shows your contribution room, expected tax deferral, and the trade-off between sheltering money in an RRSP versus a TFSA versus a family RESP. We do not sell financial products and we do not take referral fees from banks or brokers.
Where does your data come from?
Annual contribution limits come directly from the CRA registered-plans table. Provincial marginal-rate brackets come from each province's finance ministry (Quebec MRQ, Alberta TBF, Ontario MoF, etc.). Demographic and earnings reference points come from Statistics Canada. Every detail page links to the upstream source so you can verify the number we used. Our methodology page documents the exact dataset vintages we ship.
Is this tax advice?
No. PlainRRSP is a calculator and reference, not personalized tax or financial advice. The numbers shown reflect public CRA rules and provincial bracket schedules — they do not account for your full personal situation (other deductions, carry-forward room, attribution rules, pension adjustments, withdrawals, US-tax filing obligations, etc.). For decisions with material money on the line, talk to a CPA or a CFP in your province.
Why focus on RRSP vs TFSA vs RESP?
These three CRA-registered accounts cover the overwhelming majority of tax-advantaged contribution decisions Canadian households face every year. The right choice between them depends on your current marginal rate, your expected retirement rate, whether you have children, and how soon you need the money. PlainRRSP encodes the decision tree so you do not have to read three CRA bulletins and a provincial-tax schedule to get a defensible answer.
How often do you update the limits?
CRA publishes RRSP and TFSA annual limits in November or December for the following year; provincial brackets typically refresh with each provincial budget (spring and fall). We refresh the underlying database within days of each release and our methodology page records the vintage of every dataset shipped in the current build.