RRSP tax refund calculator 2026
How much tax an RRSP contribution saves you in any province, based on 2026 federal and provincial rates.
Input
How to use this tool
- Enter your values or choose a local file. Replace the example data with your own.
- Review options, units and assumptions, then run the tool.
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Method & assumptions
How much tax an RRSP contribution saves you in any province, based on 2026 federal and provincial rates.
saving = tax(income) − tax(income − contribution)Worked example
Province or territory: Ontario Annual employment income: 90,000 RRSP contribution: 10,000 → Tax without RRSP deduction: CAD 17,033.56 → Tax with RRSP deduction: CAD 14,068.56 → Estimated tax saving: CAD 2,965.00 → Saving as % of contribution: 29.65 %
Limits & important notes
Basic release. Review the result before relying on it. File limits, supported cases and processing requirements are shown above.
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