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 Any excess beyond $2,000 is subject to a 1% per month penalty tax until withdrawn.

CanadáRRSP Contribution & Tax Refund (18% Limit)Finanças

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.

Aposentadoria e Pensões Poupança e Depósitos Impostos e Taxas

Dados de Entrada

Em tempo real

Previous Year Earned Income (CAD $)

CAD $

Seleção rápida:

Planned RRSP Contribution Amount (CAD $)

CAD $

Seleção rápida:

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

20 %54 %

Resultado CalculadoRRSP 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 $

Detalhamento do Cálculo

RRSP Deposit

12,000 CAD $

Max Room (18%)

16,200 CAD $

Tax Refund Cheque

4,548 CAD $

Net Cost

7,452 CAD $

Metodologia de Cálculo

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

Aviso Legal e Educacional

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

Esta calculadora destina-se a fins educacionais e informativos. Os resultados não constituem consultoria financeira ou jurídica vinculativa.

Perguntas Frequentes

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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