Calculators · 2026 tax year

PlainRRSP tools

Three free tools that turn the CRA rules and every province's brackets into your own numbers, all running in your browser, nothing stored.

$33,810
RRSP ceiling
$109,000
TFSA room since 2009
13
provinces

PlainRRSP's calculator computes your RRSP/TFSA room, combined marginal rate, exact tax deferral, and the RRSP-vs-TFSA verdict, free and private.

Enter income and province and the calculator returns your 2026 RRSP room (18% of earned income up to $33,810), combined marginal rate, exact tax deferred, TFSA room, and a verdict on whether the RRSP or TFSA wins. A decision tree and account-comparison table back it up.

  • 4 live outputs per run
  • 0 data sent to a server
  • 13 provinces supported

What to use

Start with the calculator, one screen turns your income and province into your RRSP room, your real marginal rate, the exact tax you defer, and the RRSP-vs-TFSA verdict.

$33,810
2026 RRSP ceiling
4
live outputs per run
0
data sent to a server
13
provinces & territories

Everything runs in your browser from the live CRA + provincial schedules, nothing is stored.

According to the Canada Revenue Agency, cumulative Tax-Free Savings Account room reached $109,000 as of January 2026 for anyone eligible since the program's 2009 launch. Every tool on this page pulls that figure and every provincial bracket schedule live, see the methodology for the full sourcing.

Contribution & tax-deferral calculator

Enter your income and province to get your 2026 RRSP room, combined marginal rate, the exact tax you defer, your TFSA room and an RRSP-vs-TFSA verdict.

Open the calculator
RRSP vs TFSA decision

Walk the funding-order decision tree, current rate vs expected retirement rate, household structure, and savings horizon.

Work through the decision
Compare account types

RRSP, TFSA, RESP and FHSA side by side, contribution limits, tax treatment, withdrawal rules and best-use cases.

Compare accounts

The rate engine behind the tools

Every tool runs on the combined federal-and-provincial marginal-rate staircase, here is Ontario's. Hover or tap to read the rate at any income; the calculator does this for your province automatically.

Combined federal + Ontario marginal rate by taxable income, 2026
Peaks at 46.16% (to $280k)
0% 10% 20% 30% 40% 50% $0$50k$100k$150k$200k$250k

Source: Ontario + Canada Revenue Agency published 2026 marginal-rate schedules. Combined rate = provincial + federal at each income.

Compare provinces at a glance

Every province by entry rate and top rate, the calculator uses this structure to price your deferral. Upper-left provinces reward RRSP timing most. Hover or tap a point.

Provincial tax-structure map, entry rate vs top rate, 2026
↖ most progressive = widest wedge
11.0%18.5%26.0% 4.0%9.5%15.0% progressive (wide wedge) Entry-bracket rate → Top rate →

Source: provincial finance-ministry 2026 bracket schedules, compiled by PlainRRSP. Dashed lines mark the median entry and top rate.

What the calculator returns

  • RRSP contribution room - 18% of earned income, capped at $33,810.
  • Combined marginal rate - federal + your province at your income.
  • Exact tax deferred - progressive, not a flat-rate shortcut.
  • RRSP-vs-TFSA verdict - from your current-vs-retirement rate gap.

How to use these tools

Three steps, in order, from your income to a defensible decision.

  • Run the calculator with your income and province to get your room, combined rate, and exact deferral. Open the calculator
  • Add your expected retirement rate to get the RRSP-vs-TFSA verdict for your own gap. Decision tool
  • Check the account-comparison table for the rules that apply across RRSP, TFSA, RESP and FHSA. Compare accounts

Reference data, not personal tax advice, confirm your room on your CRA Notice of Assessment.

Related guides

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. The calculator's brackets and limits are rendered live from the CRA 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.