What does your RRSP actually save?
Slide the contribution and see the tax saved at your real 2026 marginal rate — plus the exact deadline.
Your RRSP contribution
That may be more than your room. Your limit is 18% of last year's earned income (max $33,810 for 2026) plus unused room — check your Notice of Assessment.
Why the deadline matters
Contributions made in the first 60 days of the new year can be deducted on the previous year's return. Contribute before the deadline and your refund shows up this spring; miss it and the deduction waits a year.
An RRSP deduction saves tax at your marginal rate — the rate on your top dollars. The higher your income this year compared with retirement, the stronger the RRSP move. Not sure? Compare it with a TFSA in our TFSA vs RRSP tool.
More free tools
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Your 2026 federal + Ontario tax, marginal rate and take-home pay.
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Will you get money back? Plus three ways to improve the result.
Open tool LiveTax deadline countdown
Every key CRA date with a live countdown — plus a T2 due-date calculator.
Open toolTFSA vs RRSP
Side-by-side at your tax rates today and in retirement.
Open toolWant a pro to run the numbers?
Every tool here ends in the same place: an advisor who sees your whole picture. Book a consultation.