Phase 1 · Registered Accounts
RRSP Contribution Room Calculator
Calculate your 2026 RRSP contribution room based on earned income, pension adjustments, and carry-forward room. Includes over-contribution detection and tax savings estimates.
How RRSP contribution room works
Each year you earn new RRSP room equal to 18% of your previous year’s earned income, up to the CRA’s annual dollar limit ($33,810 for 2026). If you have an employer pension plan, your pension adjustment (PA) reduces the new room. Unused room carries forward indefinitely. You can find your exact deduction limit on your Notice of Assessment (NOA) or through CRA My Account.
Your Information
Used to check age-71 RRSP deadline
For combined marginal tax rate estimate
Employment, self-employment, net rental income
From Box 52 on your T4 (if employer pension)
From your Notice of Assessment or CRA My Account
Contributions to your own RRSP this year
Contributions to your spouse’s RRSP count against YOUR room, not theirs
Disclaimer: This calculator is for informational and educational purposes only. It is not licensed financial, tax, or legal advice. Tax rates shown are simplified estimates of combined federal and provincial marginal rates and may not reflect your exact situation. Always verify your RRSP deduction limit with the CRA (via your Notice of Assessment or CRA My Account) before making contributions. Prospyr is not affiliated with the CRA or any financial institution.
RRSP dollar limits sourced from the Canada Revenue Agency, current as of December 2025. The 2026 limit of $33,810 and the announced 2027 limit of $35,390 are included.