RRSP room equals 18% of your prior-year earned income (max $33,330 in 2026) PLUS any unused room carried forward. Calculate your available room and the tax refund you'll generate.
Remaining to contribute in 2026.
Contributions made by March 1, 2027 can apply to your 2026 tax return.
Lifetime grace — you can be up to $2K over without penalty.
First-time buyers can borrow $60K from RRSP for a home (must repay over 15 yrs).
If you have an employer pension, your RRSP room is reduced by the Pension Adjustment (PA).