RRSP Contribution Room Calculator
Calculate your 2026 RRSP room, spot over-contribution risk, and model whether to deduct now, use a spousal RRSP, or prioritize RRSP versus TFSA room.
Shared Inputs
Build Your RRSP Room Snapshot
Live RRSP Room
RRSP Room Remaining: $0
New Room This Year
$0
18% of your prior year income, max $33,810
Total Room Available
$0
New room + carryforward - pension adjustment
Contributions This Year
$0
Contribution Deadline
March 1, 2027
60-day window for prior-year contributions
Result explainer
What your RRSP room estimate means
What this means
Based on the values entered, the model shows $0 of RRSP room remaining.
Why this result happened
- $0 of new room is modeled from prior-year earned income, capped by the 2026 annual limit.
- $0 of total room reflects new room plus carryforward room, less any pension adjustment entered.
- $0 of current-year contributions are subtracted from the modeled available room.
What could change this
- CRA Notice of Assessment values can differ from this estimate and should be checked.
- Pension adjustments and current-year contributions can change room remaining.
- Over-contribution rules include a small lifetime buffer, but amounts above it can create penalty tax.
Next number to check
Check the contribution deadlineThe modeled deadline shown here is March 1, 2027. Use the Tax Bracket Calculator to review deduction impact separately.
This is an informational RRSP room estimate based on the values entered. Check CRA records before relying on contribution room numbers.
Room Visualizer
How Your Available Room Is Allocated
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Educational context
RRSP Contribution Room Explained
The RRSP is Canada's main tax-deferred savings vehicle. Understanding how room is calculated and used can save meaningful tax over time.
How is RRSP contribution room calculated?
RRSP room is generally based on 18% of your previous year's earned income, up to the CRA annual maximum. Unused room carries forward. Pension adjustments can reduce available room.
What is the RRSP deduction limit versus contribution limit?
They are closely related, but they matter in different ways. Your contribution limit is how much you can put in. Your deduction limit is how much you can claim for tax purposes.
When is the RRSP contribution deadline?
The deadline for contributions that count toward the previous tax year is typically the first 60 days of the new calendar year.
What happens when I withdraw from my RRSP?
RRSP withdrawals are generally taxed as income in the year of withdrawal, and the contribution room is not restored.
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Freshness and methodology
April 2026 with 2026 CRA planning inputs.
RRSP room estimates use 18% of prior-year earned income, subject to the 2026 CRA annual dollar limit.
Updated for 2026 CRA limits · Last verified April 2026
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