What is the annual RRSP contribution limit?

Your annual RRSP limit is 18% of your earned income from the prior year, up to the CRA annual dollar cap ($31,560) plus any accumulated unused room.

What happens if I over-contribute to my RRSP?

The CRA allows a lifetime over-contribution buffer of $2,000. Any excess beyond $2,000 is subject to a 1% per month penalty tax until withdrawn.

कनाडाRRSP Contribution & Tax Refund (18% Limit)वित्त

Canada RRSP Contribution Limit, Tax Savings & Refund Calculator

Calculate your maximum Registered Retirement Savings Plan (RRSP) contribution limit (18% of prior year earned income up to $31,560), immediate income tax refund, and long-term tax-deferred retirement wealth.

सेवानिवृत्ति और पेंशन बचत और जमा कर और शुल्क

कैलकुलेटर इनपुट

लाइव रीयल-टाइम

Previous Year Earned Income (CAD $)

CAD $

त्वरित चयन:

Planned RRSP Contribution Amount (CAD $)

CAD $

त्वरित चयन:

Your Combined Marginal Tax Rate (Federal + Provincial %)37.9 %

20 %54 %

गणना परिणामRRSP Contribution & Tax Refund (18% Limit)

Estimated Instant Income Tax Refund Cheque

4,548CAD $

Annual New RRSP Contribution Room Created (18% Cap)

16,200 CAD $

True Net Out-of-Pocket Cost of Your Contribution

7,452 CAD $

विस्तृत गणना विवरण

RRSP Deposit

12,000 CAD $

Max Room (18%)

16,200 CAD $

Tax Refund Cheque

4,548 CAD $

Net Cost

7,452 CAD $

गणना पद्धति

Max Annual Room = min(Earned Income * 18%, $31,560). Tax Refund = RRSP Contribution * Combined Marginal Tax Rate%.

महत्वपूर्ण कानूनी और शैक्षिक अस्वीकरण

Unused RRSP contribution room carries forward indefinitely. Over-contributing by more than $2,000 incurs a 1% per month penalty tax.

यह कैलकुलेटर केवल शैक्षिक और सूचनात्मक उद्देश्यों के लिए बनाया गया है। परिणाम बाध्यकारी वित्तीय या कानूनी सलाह नहीं हैं।

अक्सर पूछे जाने वाले प्रश्न

You can contribute to your RRSP within the first 60 days of the calendar year (usually March 1 or 2) and deduct it against the previous tax year's income.

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