Canada RRSP Contribution Room Calculator

Enter your prior year’s earned income to estimate your RRSP contribution room for the year.

Reflects 2026 dollar limit rates (effective 2026-01-01). Last checked 2026-09-11 · v1. Tax rules change — verify against an official source before relying on this for a filing. Source.

Canada RRSP Contribution Room Calculator

Estimate your annual RRSP contribution room based on your earned income.

This estimates only the NEW room generated this year — it does not include any unused RRSP room carried forward from prior years, or reduce room for a pension adjustment if you belong to an employer pension plan. Check your CRA Notice of Assessment for your actual available room.

Your RRSP (Registered Retirement Savings Plan) contribution room for a year is the LESSER of 18% of your prior year’s earned income, or that year’s fixed dollar limit — plus any unused room carried forward from previous years, which this simple calculator does not track.

Example

  • With the default values shown above, this calculator returns: 18% of Earned Income ≈ CAD 14,400.00; This Year’s New Contribution Room ≈ CAD 14,400.00.

Frequently Asked Questions

What is the 2026 RRSP dollar limit?

For 2026, the annual RRSP dollar limit is $33,810. Your new contribution room is the lesser of 18% of your prior year’s earned income or this dollar limit.

Does unused room carry forward?

Yes — unused RRSP contribution room carries forward indefinitely. Check your CRA My Account or your latest Notice of Assessment for your actual total available room, which this simple calculator does not track.

Sources

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