RRSP Contribution Room Calculator
Work out your exact RRSP deduction limit: 18% of last year's income up to the annual cap, minus pension adjustment, plus carry-forward. Free, instant, no signup.
How RRSP Contribution Room Works
Every year the CRA grants you new RRSP room worth 18% of your prior-year earned income, capped at an annual dollar maximum. For the 2026 tax year that cap is $33,810 (up from $32,490 in 2025). If you're in a workplace pension, your pension adjustment reduces the new room. Finally, any room you never used in past years carries forward and stacks on top.
− pension adjustment
+ unused carry-forward room
The single most reliable place to confirm your exact room is your CRA Notice of Assessment or CRA My Account — it already includes every prior year's carry-forward. This calculator is ideal for planning a contribution before your NOA updates, or projecting next year's room.
A word of caution: over-contributing by more than the $2,000 lifetime buffer triggers a penalty of 1% per month on the excess. When in doubt, contribute a little under your calculated room.
Frequently Asked Questions
$33,810 — the full amount applies only if your 2025 earned income was at least $187,833. Otherwise your room is 18% of that income.
Employment income, self-employment net income, and net rental income — not investment income, pensions, or capital gains.
The value of pension benefits you earned at work (T4 box 52). It reduces your RRSP room dollar-for-dollar so total retirement saving stays fair across plans.
No — it carries forward indefinitely. Your total available room is on your latest CRA Notice of Assessment.