RRSP Contribution Room Calculator
Enter your prior-year earned income to estimate RRSP room (18%, capped at the annual limit). Based on published CRA rules.
Enter earned income to estimate.
Frequently asked questions
How is RRSP contribution room calculated?
The CRA sets your limit at 18% of your prior-year earned income, up to an annual dollar maximum (for 2026 the limit is $32,490). Unused room carries forward indefinitely.
Does this include my carry-forward room?
No. This estimates only the current-year addition. Your total available room also includes unused amounts from previous years — shown on your CRA notice of assessment.
Legal & Accuracy Notice: Estimate based on the standard RRSP formula (18% of prior-year earned income, capped at the annual dollar limit). It excludes unused room carried forward, pension adjustments, and other factors. Confirm your exact limit on your CRA notice of assessment. Not financial advice.