Contribution & deferral · 2026 tax year
RRSP, TFSA & RESP calculator
Enter your income and province. See your contribution room, your combined marginal rate, and the exact tax you defer, instantly, in your browser.
- $33,810
- RRSP ceiling
- 18%
- of earned income
- 13
- provinces
Your 2026 result
-
RRSP contribution room
-
Tax deferred if you fill it
-
Combined marginal rate
-
TFSA room since 2009
cumulative, if eligible since 2009
- in guaranteed CESG grant per year if you fund - across - - the highest-certainty return in the system.
Estimates use 2026 CRA limits and 2026 federal + provincial marginal-rate brackets. They assume contribution room is fully available and ignore pension adjustments, prior carry-forward, and other deductions. The marginal rate is looked up against the same income figure you entered as a simplified stand-in for taxable income; your real taxable income (after deductions, including the RRSP contribution itself) may put you in a different bracket. This is reference data, not personal tax advice, confirm your room on your CRA Notice of Assessment and see the methodology.
How the deferral is calculated
Your RRSP contribution room for 2026 is the lesser of 18% of your prior-year earned income and the CRA dollar ceiling of $33,810. The tax you defer is the exact difference between the income tax owed on your income and the tax owed after subtracting your RRSP deduction, computed across the real federal and provincial brackets, not a flat-rate shortcut. Whether that deferral is a net win depends on your marginal rate when you eventually withdraw, which is why the verdict compares today's rate with your expected retirement rate.
Every figure on PlainRRSP is rendered directly from official Canada Revenue Agency registered-plan limits and each province's published marginal-rate schedule, no number is typed in by an editor. Limits and brackets are queried live from the CRA registered-plan table and each province's published schedule. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026 tax year.