Contribution & deferral · 2026 tax year
RRSP tax savings calculator
Test an RRSP contribution against your income and province. See its estimated tax savings, your available room, and your combined marginal rate instantly in your browser.
- $33,810
- RRSP ceiling
- 18%
- of earned income
- 13
- provinces
Your 2026 result
-
RRSP contribution room
-
Estimated tax savings
-
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 this RRSP tax savings estimate 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. Choose a contribution amount or leave it blank to test your full available room. The estimated tax savings are the exact difference between income tax owed on your entered income and tax owed after that 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. To estimate tax on a withdrawal given your other income, use the RRSP withdrawal tax calculator.
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, each at its own published year. See our editorial standards & corrections policy, the methodology behind these numbers, the public data change log, or report a data error. Data current as of 2026 tax year.