RRSP limits 2026
- Annual ceiling 2026: $33,810.
- Personal limit = 18% of prior year's earned income, capped at the annual ceiling.
- To reach the full $33,810 cap in 2026, you must have earned approximately $187,833 in 2025.
- Contribution deadline for the 2025 tax year: 2 March 2026.
- Over-contribution allowance: $2,000 lifetime; beyond that, 1% per month penalty.
- Unused contribution room is carried forward indefinitely.
- Personal limit is shown on your CRA Notice of Assessment.
Educational content only. Verify on canada.ca/cra.
