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RRSP Contribution Room Calculator

↻ Updated 2026

Find your RRSP deduction room — 18% of your prior-year earned income up to the 2026 limit of $32,490, less any pension adjustment, plus unused room carried forward.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
Prior-year earned income
Pension adjustment (PA)
From box 52 of your T4 if you have a workplace pension
Unused room carried forward
Total room this year
$15,300
new room + carry-forward
New room earned
$15,300
18% of income
2026 dollar limit
$32,490
maximum for the year
How your room is calculated
18% of $85,000$15,300
Capped at 2026 limit$15,300
Less: pension adjustment− $0
New room earned$15,300
Plus: carry-forward+ $0
Total deduction room$15,300
ASSUMPTIONS — New RRSP room is 18% of your prior-year earned income, capped at the 2026 dollar limit of $32,490, minus any pension adjustment from a workplace pension. Unused room carries forward indefinitely. This estimate excludes past-service pension adjustments (PSPA) and PA reversals. Confirm your exact deduction limit on your latest CRA Notice of Assessment or in My Account.

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Sources & rate references

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.