RRSP 2027 Contribution Limit
CA RRSP 2027: 18% of earned income, max ~$35 390 (estimated). Unused room carries forward. Reduce by pension adjustment (PA) if employer plan.
| 2026 earned income | — |
| 18% of income | — |
| Federal maximum | — |
| Pension Adjustment | — |
| New 2027 room | — |
| Carry-forward | — |
| Total available | — |
| Tax saving if maxed | — |
RRSP 2027 contribution limit is the lesser of 18% of 2026 earned income or $35 390 (CRA estimated). Unused room carries forward indefinitely. Pension Adjustment (PA) from employer plan reduces new room. Contribute by ~March 1 for 2027 tax year.
RRSP 2027 Limit Calculation
New room = min(18% × prior year earned income, $35 390). Pension Adjustment (PA) reported on T4 reduces this. Total available = new + unused carry-forward from prior years. CRA's notice of assessment shows accurate room.
Earned Income Definition
Includes employment, self-employment, rental, alimony received, royalties, certain disability benefits. EXCLUDES: investment income, retirement income, EI/CPP. Note — different from total income.
Contribution Deadline
For 2027 tax year: ~March 1, 2028 (60 days after year-end). Earlier contribution = more compounding. Last 60 days of contribution can be claimed on 2026 OR 2027 return.
Last updated May 2026. Sources: CRA RRSP.