Tools · Retirement

RRSP Contribution Room Calculator

Find out how much you can still put in your RRSP this year without going over. Start from the deduction limit on your Notice of Assessment, or rebuild it from CRA's formula, then subtract what has gone in since. The tool flags the traps that cause over-contributions: the first 60 days, group and spousal RRSPs, and the $2,000 cushion.

Last reviewed: Two modes: your NOA or a rebuildAn estimate from your records, not CRA's figure.

Where are you starting from?
From your Notice of Assessment
What has already gone in
Next year (optional)Estimates the new room that arrives for 2027.

Worked example. Nadia's 2025 Notice of Assessment shows an RRSP deduction limit of $22,200 and $2,000 of unused RRSP contributions (made in 2025, never deducted). Since then she contributed $3,500, including $1,000 through her group RRSP. Room now = $22,200 − $2,000 − $3,500 = $16,700.

Rebuilding it: unused room $10,000, plus 18% of $90,000 earned income ($16,200, below the $33,810 cap) minus a $4,000 pension adjustment, gives $22,200. That matches her notice. Enter your own numbers to see yours.

Estimate as of October 1, 2026

$16,700 room now

That is how much more you can put in your RRSP without going over, reconciled from the deduction limit on your Notice of Assessment and the contributions you entered.

An estimate from your answers, not CRA's figure.

The checkbook math

RRSP deduction limit (from your notice)$22,200
Less unused contributions already reported−$2,000
Less contributions since the statement−$3,500
Contribution room now$16,700

The deduction limit is not the same as contribution room. The over-contribution check runs on room now.

Deduction limit
CRA's maximum you can deduct: $22,200
Unused contributions
Already inside the plan, not yet deducted: $2,000
Contribution room now
What you can still put in: $16,700

The first 60 days

Contributions from January 1 to March 1, 2027 can be deducted on your 2026 return or carried to 2027, but never both. CRA splits your receipts into March to December and January to March for a reason.

You have not entered any contributions for that window.

You do not have to claim a contribution in the year you make it: unclaimed contributions carry forward on Schedule 7.

CRA's number is a snapshot; your own contribution records are the real-time truth. This tool is only as accurate as what you've told it.

An estimate from your own records, not financial advice or CRA's figure. Limits change annually; figures are 2026.

How the math works

  • CRA's deduction limit is the opening balance. Every contribution since the statement comes off it, and so do unused contributions already reported. What is left is your contribution room now.
  • Rebuilding the limit uses CRA's formula: unused room carried forward, plus the lesser of 18% of last year's earned income and the 2026 dollar limit of $33,810, minus last year's pension adjustment, plus any pension adjustment reversal, minus any past service pension adjustment.
  • The first 60 days of 2027 (to March 1, 2027) can count for 2026 or 2027. The tool subtracts them only from the year you pick.
  • Over-contributions: a one-time lifetime cushion of $2,000 (none under 18), then 1% a month on the excess until it is removed or new room absorbs it.
  • Group and spousal RRSPs count against your room as the contributor. Direct transfers between your own RRSPs do not. Withdrawals never give room back.
  • Not in this version: Home Buyers' Plan and Lifelong Learning Plan tracking, withdrawal tax, RRIF planning, and non-resident or treaty rules beyond the earned-income note.
  • Nothing is saved, and we never ask for your CRA login. Your numbers stay in this browser tab.

This is an estimate from your own records, not CRA's figure and not financial advice. CRA My Account and your Notice of Assessment are the source of truth.

Sources and dates

Figures checked 2026-09-26 to 2026-09-29 against CRA/canada.ca and the other sources listed below.

  • 2026 RRSP dollar cap (18% of 2025 earned income, up to): www.canada.ca, checked 2026-09-26
  • RRSP contribution room rate on earned income: www.canada.ca, checked 2026-09-26
  • RRSP lifetime excess-contribution buffer: www.canada.ca, checked 2026-09-26
  • RRSP contribution deadline for the 2026 tax year: www.wealthsimple.com, checked 2026-09-28
  • RRSP maturity at age 71: www.canada.ca, checked 2026-09-26
  • RRSP dollar cap history: www.canada.ca, checked 2026-09-29
  • 2027 RRSP dollar limit: reported in seasonal research, Not yet verified on canada.ca

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