Data study · 2026 tax year

Canadian RRSP, TFSA & Provincial Tax-Bracket Statistics, 2026

13 provinces and territories, 18 tax years of CRA and provincial data, distilled into the findings below. Every figure is rendered live from the underlying database, not typed in by an editor.

25.75%
Highest top rate (Quebec)
11.50%
Lowest top rate (Nunavut)
61%
RRSP limit growth since 2009
21.8x
TFSA cumulative room since 2009

Canada's 13 provinces and territories span a 14.25-percentage-point range in top marginal tax rate, from Nunavut's 11.50% to Quebec's 25.75%.

Drawn from PlainRRSP's live CRA and provincial bracket data: Quebec has the highest top marginal rate (25.75%) while Nunavut has the lowest (11.50%); Newfoundland and Labrador runs the most brackets of any province at 8. The federal RRSP dollar limit has grown 61% since 2009, and cumulative TFSA room is now 21.8 times its launch-year level.

  • 25.75% Highest top rate (Quebec)
  • 11.50% Lowest top rate (Nunavut)
  • 8 Most brackets (Newfoundland and Labrador)
  • 18 years of CRA data covered

According to the Canada Revenue Agency, cumulative Tax-Free Savings Account room reached $109,000 as of January 2026, and the RRSP dollar ceiling reached $33,810. The six findings below are compiled from that CRA registered-plan table and each province's published marginal-rate schedule; see the methodology for the full source lineage.

Key findings

  1. Quebec has the highest top marginal personal income-tax rate of Canada's 13 provinces and territories for 2026, at 25.75%, more than double Nunavut's 11.50%, the lowest in the country.
  2. Newfoundland and Labrador's 8-bracket schedule is the most complex of any province or territory; Manitoba and Saskatchewan each use just 3.
  3. Ontario's 13.16% top provincial rate is the second-lowest of all 13 jurisdictions, behind only Nunavut's 11.50%.
  4. The federal RRSP dollar limit has grown 61% since the program's 18-year tracked history began in 2009, from $21,000 to $33,810 for 2026.
  5. Cumulative TFSA room has grown 21.8 times over since the account's 2009 launch, from $5,000 to $109,000 for anyone who has been eligible and a Canadian resident the entire time.
  6. Canada's federal government cut the lowest income-tax bracket rate to 14.00% for the 2026 tax year, down from a longstanding 15%, as part of the announced federal middle-class tax reduction.

Every finding above is computed directly from the 2026 provincial_tax_brackets and tax_years tables at request time, see the methodology for the full source lineage. Reuse with attribution to PlainRRSP welcome, see the citation below or download the full dataset as CSV.

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. Every key finding on this page is computed live from the CRA federal bracket table and each province's published marginal-rate schedule, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026 tax year.