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How contributions affect your RRSP deduction limit - Canada. ca Your registered retirement savings plan (RRSP) deduction limit, is the maximum amount you can deduct from contributions made to your RRSPs, PRPP, SPP and to your spouse’s or common-law partner’s RRSP or SPP for a year
TaxTips. ca - RRSP Contribution Limits Who Can Contribute RRSP limits lag behind RPP limits by one year because RRSP limits are based on prior-year earnings, and RPP limits are based on current-year earnings The following deduction limit examples assume that the taxpayers do not have contribution room carried forward from previous years
Understanding RRSP Contribution Limit: A Beginner’s Guide Each year, working Canadians earn new RRSP contribution room (18% of their earned income, up to annual limits), which is added to any remaining contribution room from previous years There are penalties if you contribute more than your allowable limit
RRSP Limit Calculator - The Globe and Mail Visit Globe Investor and use our free RRSP Limit Calculator to quickly determine your Registered Retirement Savings Plan (RRSP) contribution limit and potential tax savings
What you need to know about the 2025 RRSP contribution limit Every year, the Canada Revenue Agency (CRA) sets a limit for how much money you can deduct from income taxes through RRSP contributions For 2025, the limit is 18% of your annual taxable income to a maximum of $32,490; that’s up from $31,560 in 2024 and $30,780 in 2023