Reference centre
RRSP Contribution Limits
Quick lookup for annual RRSP dollar limits, earned-income rate context, contribution timing, and deduction-limit notes.
Current year: 2026
Last reviewed: 2026-05-19
Reviewed
Current-year summary
RRSP limit snapshot
Current year2026
Annual dollar limit$33,810
Earned-income rate18%
Historical table
RRSP dollar limits by year
| Year | Annual dollar limit | Earned-income rate | Review status |
|---|---|---|---|
| 2026 | $33,810 | 18% | Reviewed |
| 2025 | $32,490 | 18% | Reviewed |
| 2024 | $31,560 | 18% | Reviewed |
Key rules
Contribution-room notes
- The annual RRSP dollar limit is a ceiling for new room, not necessarily a person's available contribution room.
- Personal RRSP deduction limits are shown on CRA notices of assessment or reassessment.
- Pension adjustments and unused contribution room can materially change personal limits.
New RRSP room is generally based on 18% of prior-year earned income up to the annual dollar limit, adjusted for pension adjustments, unused room, and other CRA-calculated items.
RRSP contributions made in the first 60 days of the year may generally be reported for the prior tax year. Confirm the exact annual deadline each year.
Notes and assumptions
How to read this reference
Personal RRSP room depends on CRA-calculated deduction limits, pension adjustments, unused room, past service pension adjustments, and other adjustments.
Official-source placeholder
Sources and review notes
- Source notes load from the centralized registered-plans data file.