About PlainRRSP
Our mission is to make Canadian tax-advantaged savings transparent and freely accessible to every household, without paywalls, without referral links to banks or brokers, and without the marketing copy that surrounds most RRSP/TFSA/RESP coverage online.
PlainRRSP encodes the Canada Revenue Agency's three core registered-account ceilings, the annual RRSP dollar limit, the lifetime and yearly TFSA room, and the lifetime RESP cap with its Canada Education Savings Grant match, and combines them with each province's marginal-tax-bracket schedule. The result is a single calculator that tells you how much tax you defer today by maxing each account, which one to fund first, and what the trade-off looks like against your expected retirement marginal rate.
Our data
Every number we ship traces back to a public Canadian government source:
- RRSP / TFSA / RESP limits: Canada Revenue Agency registered-plans tables, refreshed when CRA publishes annual updates (typically November).
- Provincial & territorial tax brackets: each province's finance-ministry schedule, Ontario MoF, Quebec MRQ, Alberta TBF, and the equivalent body in every other province and territory.
- Federal tax brackets: the Canada Revenue Agency's published federal personal income-tax rate schedule, used to compute combined marginal rates.
Methodology
We download upstream CRA and provincial schedules, normalize them into a single calculator engine, and verify every bracket against the published rate notice. No bracket value is interpolated or editorialized. The full process is documented on our methodology page, which lists the exact dataset vintage shipped in the current build.
Updates
CRA publishes the next year's RRSP and TFSA limits in late autumn; provincial budgets typically refresh marginal-rate schedules in spring and fall. We rebuild the underlying database within days of each release and surface the vintage on the methodology page so you always know how fresh the numbers are.
Not affiliated
PlainRRSP is not affiliated with the Canada Revenue Agency, any provincial finance ministry, any bank, broker, or robo-advisor. We do not accept compensation, referral fees, or sponsorship from financial institutions.
Who built this
PlainRRSP is an independent, reader-funded data publication that compiles and contextualizes public Canadian tax and registered-account data. We turn the Canada Revenue Agency's registered-plan limits and every province's published marginal-rate schedule into one calculator and a plain-language reference.
Important disclaimer
PlainRRSP is for informational purposes only and does not provide financial, tax, or investment advice. The calculator output reflects public CRA rules and provincial bracket schedules, it does not account for your full personal situation (other deductions, carry-forward room, pension adjustments, attribution rules, US-tax filing obligations, withdrawals already taken, etc.). For decisions with material money on the line, consult a CPA or a Certified Financial Planner licensed in your province.
Editorial standards
Every number on PlainRRSP is rendered directly from the official Canada Revenue Agency registered-plan table and each province's published marginal-rate schedule - no figure is typed in by hand, and the calculator computes contribution room and tax deferral deterministically from that data. Each page links to its upstream government source so you can verify the figure we used.
We accept reader corrections on every page. When you flag an error, we either correct it in the next data build (if the underlying upstream data has changed) or annotate the page with a correction notice referencing the original CRA or provincial source. We do not silently rewrite history, corrections leave an audit trail.
Contact
For corrections, questions, or feedback, email hello@plainrrsp.com or use our contact form.
Who Publishes This
PlainRRSP is operated by Kiznis Studio, an independent data-engineering studio (solo-operated). Questions, corrections, and accountability inquiries can be sent to hello@plainrrsp.com.