RRSP Tax Refund Calculator Canada
Compare modeled tax before and after your RRSP deduction
The tax effect comes from a progressive calculation
The calculator estimates federal and provincial tax before and after the RRSP deduction. The difference is the estimated tax reduction. This handles contributions that cross tax brackets instead of multiplying the whole contribution by one marginal rate.
Use the estimate step by step
- Enter taxable income before the RRSP deduction.
- Select the province or territory.
- Enter the RRSP deduction being claimed.
- Compare tax before and after the deduction and the federal/provincial split.
A contribution and deduction need not affect the same year
You can report an RRSP contribution without claiming the full deduction immediately. Whether a later deduction is useful depends on contribution room, income, and personal tax planning. This tool does not optimize deduction timing.
What the 2026 estimate leaves out
True 2026 tax delta: the model compares federal and provincial tax before and after the RRSP deduction, after basic personal credits and their phase-outs. Quebec’s 16.5% federal abatement is included; other credits, deductions, and surtaxes are excluded.