Financial Tools
RRSP Calculator
See how your RRSP can grow over time and estimate your tax savings. Adjust the inputs below to model different contribution scenarios based on current 2026 federal and provincial tax rates.
RRSP must convert to RRIF by age 71
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2026 limit: $15,300 (18% of income, max $33,810)
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Projected RRSP at Retirement
$706,918
at age 65
Annual Tax Savings
$1,830
30.5% marginal rate
Total Contributions
$235,000
Investment Growth
$471,918
Total Tax Savings
$64,050
RRSP Growth Over Time
Age 31: $32,550
Age 32: $40,478
Age 33: $48,801
Age 34: $57,541
Age 35: $66,719
Age 36: $76,354
Age 37: $86,472
Age 38: $97,096
Age 39: $108,251
Age 40: $119,963
Age 41: $132,261
Age 42: $145,174
Age 43: $158,733
Age 44: $172,970
Age 45: $187,918
Age 46: $203,614
Age 47: $220,095
Age 48: $237,400
Age 49: $255,569
Age 50: $274,648
Age 51: $294,680
Age 52: $315,714
Age 53: $337,800
Age 54: $360,990
Age 55: $385,340
Age 56: $410,907
Age 57: $437,752
Age 58: $465,939
Age 59: $495,536
Age 60: $526,613
Age 61: $559,244
Age 62: $593,506
Age 63: $629,481
Age 64: $667,256
Age 65: $706,918
31
35
40
45
50
55
60
65
Contributions
Investment Growth
Tax Savings Breakdown
Federal Tax Saved
$1,230/yr
Marginal rate: 20.5%
Provincial Tax Saved
$600/yr
Marginal rate: 10.0%
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This calculator is for illustrative purposes only and does not constitute financial advice. Tax brackets are based on 2026 rates and may change. Actual investment returns will vary. RRSP contribution room depends on your individual circumstances including earned income and pension adjustments. Please consult with a qualified financial advisor before making investment decisions.