RRSP limit
$33.8K
$33,810 for 2026
2026 tax year CRA + 13 provinces & territories Free · no signup
Canada Revenue Agency · 2026 tax year · independent, not affiliated with the CRA
Maximize your RRSP, TFSA & RESP contribution room, every province.
Plug in your income and see the dollar value of tax you defer today - $33,810 RRSP room, $7,000 TFSA room and a $50,000 RESP lifetime cap, combined with your province's marginal-rate schedule. The math runs in your browser; nothing is stored.
For 2026, the CRA RRSP dollar ceiling is $33,810, TFSA annual room is $7,000, and the RESP lifetime cap is $50,000.
PlainRRSP turns the CRA's RRSP, TFSA and RESP limits and every province's 2026 marginal-tax brackets into one calculator. RRSP room is the lesser of 18% of prior-year earned income and $33,810; TFSA cumulative room reaches $109,000 for anyone eligible since 2009; the RESP attracts a 20% federal CESG match worth up to $7,200 per child.
- $33,810 RRSP ceiling
- $109,000 TFSA room since 2009
- 13 provinces & territories
- 2009–2026 tax years covered
The national picture
The accounts are federal, but the marginal rate that prices your deferral is provincial, top provincial rates run from 11.50% in Nunavut to 25.75% in Quebec, each stacked on the same federal schedule.
- 25.75%
- Highest top marginal rate (Quebec)
- 11.50%
- Lowest top marginal rate (Nunavut)
- $33,810
- RRSP dollar ceiling, 2026
- 20%
- guaranteed CESG match on RESP
Every figure is rendered live from the CRA limit table and each province's published bracket schedule.
The rate that prices your RRSP deduction
A worked example for Ontario, the combined federal-and-provincial marginal rate climbs in steps as income rises. Hover or tap to read any income; open your own province for its curve.
Source: Ontario + Canada Revenue Agency published 2026 marginal-rate schedules. Combined rate = provincial + federal at each income.
Source: Ontario + Canada Revenue Agency published 2026 marginal-rate schedules. Combined rate = provincial + federal at each income.
Where deferral pays most
Every province by its entry rate and top rate. Upper-left provinces (low entry, high top) have the most progressive schedule, the widest RRSP deferral wedge. Hover or tap a point.
Source: provincial finance-ministry 2026 bracket schedules, compiled by PlainRRSP. Dashed lines mark the median entry and top rate.
Source: provincial finance-ministry 2026 bracket schedules, compiled by PlainRRSP.
Annual contribution ceilings - 2026 tax year
The RESP bar shows the $2,500/year that maximizes the 20% CESG federal match, not the $50,000 lifetime cap.
TFSA cumulative
$109K
since 2009
Provinces & territories
13
full bracket schedules
Tax years covered
18
2009–2026
About this data
PlainRRSP encodes the Canada Revenue Agency's three core registered-account ceilings, the RRSP dollar limit ($33,810 for 2026 contributions, capped at 18% of prior-year earned income), the Tax-Free Savings Account's annual $7,000 room (cumulative $109,000 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 one 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 covers 13 provinces and territories across 18 tax years (2009–2026), and the source URL of every number we ship is visible on the methodology page.
Start here
RRSP vs TFSA, which comes first?
A side-by-side comparison of when each account wins.
How RRSP contribution room is calculated
The CRA formula, 18% of earned income, the dollar ceiling, carry-forward.
Provincial marginal rates 2026
Reference table for every province and territory.
Provincial rankings
Provinces ranked by top rate, entry rate and deferral wedge.
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 government money per child per year.
- Saving for a first home? Use the Home Buyers' Plan to withdraw up to $60,000 from an RRSP, or the First Home Savings Account (FHSA) - see the HBP vs FHSA guide.
Run your own numbers in the contribution & deferral calculator →
Per-province tax-bracket coverage
Federal tax brackets are uniform across Canada, but provincial marginal rates vary widely - from Nunavut's 11.50% top rate to Quebec's 25.75%. All 13 provinces and territories carry a full 2026 bracket schedule.
What to do with this
Pick the account that matches your rate gap, then fill the guaranteed money first.
- Capture the 20% RESP/CESG match before anything else if you have children, it is a guaranteed return no market beats. CESG strategy
- If your rate today beats your expected retirement rate, prioritise the RRSP deduction; if not, the TFSA usually wins. RRSP vs TFSA
- Check your own province before you decide, the same dollar shelters more tax where the top rate is higher. Provinces by top rate
PlainRRSP is reference data, not personal tax advice. Confirm carry-forward room on your CRA Notice of Assessment.
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.). 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 after each release and our methodology page records the vintage of every dataset shipped in the current build.
Where these numbers come from
RRSP, TFSA and RESP limits are rendered from the Canada Revenue Agency registered-plan table; provincial and territorial brackets from each province's finance ministry; federal brackets from the CRA. See the methodology and our editorial & corrections policy.