RRSP Calculator

Registered Retirement Savings Plan Contribution Room Calculator

Calculate your accumulated RRSP contribution room for 2026. Use your CRA Notice of Assessment, or accumulate room across your working years in Canada. Includes Home Buyers' Plan repayment tracking.

Your Information

All calculations are done entirely in your browser.

How do you want to calculate your room?

Year you started earning income / working in Canada

RRSP room accumulates for each year you earned income and filed taxes in Canada. Unused room carries forward indefinitely.

Enter different income for each year

Estimated average annual earned income ($)

Your earned income (employment, self-employment) subject to 18% contribution room, capped at each year's statutory CRA limit.

Total lifetime RRSP contributions made to date ($)

Total sum of all contributions you have ever made to all your RRSPs across all financial institutions.

I made a Home Buyers' Plan (HBP) withdrawal

Note: Unused RRSP room carries forward indefinitely. For the exact figure taking into account past pension adjustments (PA) and exact tax return records, consult your CRA Notice of Assessment.

Statement Preview

Enter your details on the left to generate your official Statement of Contribution Room.

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