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 Any excess beyond $2,000 is subject to a 1% per month penalty tax until withdrawn.

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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.

Emeklilik ve Maaş Tasarruf ve Mevduat Vergiler ve Harçlar

Hesaplama Girdileri

Anlık Canlı Hesaplama

Previous Year Earned Income (CAD $)

CAD $

Hızlı seçim:

Planned RRSP Contribution Amount (CAD $)

CAD $

Hızlı seçim:

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

20 %54 %

Hesaplanan SonuçRRSP 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 $

Ayrıntılı Hesaplama Dökümü

RRSP Deposit

12,000 CAD $

Max Room (18%)

16,200 CAD $

Tax Refund Cheque

4,548 CAD $

Net Cost

7,452 CAD $

Hesaplama Metodolojisi

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

Yasal ve Bilgilendirici Uyarı

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

Bu hesaplayıcı yalnızca eğitim ve bilgilendirme amaçlıdır. Sonuçlar bağlayıcı finansal veya hukuki tavsiye niteliği taşımaz.

Sıkça Sorulan Sorular

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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