Free calculator · 2026 rates

RRSP Tax Savings Calculator for Canadian Taxpayers (2026)

See approximately how much income tax an RRSP contribution will save you in 2026, by Canadian province and income bracket. Real federal and provincial tax tables, no signup, refund estimate in seconds.

Your numbers

Updates as you type. Nothing leaves this page.

1 Province of residence

2 Annual taxable income (before RRSP deduction)

Salary plus other taxable income, before subtracting your contribution.

3 Planned RRSP contribution

Cap it at your available room. We do not check the limit for you.

4 Do you own an incorporated business?

No Yes

Used to suggest the most relevant next step. Does not affect the calculation.

I understand this is a basic estimate that applies 2026 federal and provincial brackets to the income I entered, does not replace professional tax advice, and is for informational purposes only.

Estimated tax savings

Estimated refund

on your contribution of $0

Effective refund rate 0%

Every dollar you contribute sends back this much in tax.

How the bill changes

Tax without the contribution $0
Tax with the contribution $0
Difference (your refund) $0
Marginal rate at top of your income 0%

Educational estimate only. Uses 2026 federal and provincial bracket rates from our shared tax tables (same source as the Salary vs Dividend tool). Your actual refund depends on tax already withheld at source. Quebec residents need a parallel calculation and are excluded.

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