Canada RRSP Calculator 2025
Calcola il risparmio fiscale RRSP (il piano pensionistico individuale registrato canadese) e la proiezione alla pensione. Limite di contribuzione 2025: 32,490 $. Rimborso fiscale immediato in base all'aliquota marginale.
RRSP Details
Savings Analysis for RRSPs
Come utilizzare Calcolatore RRSP Canada 2025
Contribute to your RRSP
Insert the amount you expect to contribute to your RRSP. The RRSP contribution limit for 2025 is $32,490 (or 18% of last year's employment income, whichever is less). Unused space accumulates.
Insert your marginal rate
Insert your combined federal and provincial tax bracket. Determine your immediate tax refund. For example, a income between $100K and $150K has an effective marginal rate of approximately 43.41%.
Suggerimenti
- Contribute to a Spousal RRSP (of the spouse) splits retirement income, potentially reducing overall tax when both spouses are in lower brackets.
- Contribute more than $2,000 over your lifetime incurs a penalty of 1% per month. Track your contribution space on My CRA Account.
- Contribute to your RRSP before January 31st can be applied to the previous year's tax return for faster refund. Many contribute at the beginning of the year before filing their tax return.
Domande frequenti
What is an RRSP?
An RRSP (Registered Retirement Savings Plan) is a tax-advantaged account for retirement savings. Contributions reduce taxable income in the year of contribution, investments grow tax-free inside, and withdrawals are taxed as income. You must convert to an RRIF by December 31 of the year you turn 71.
RRSP vs TFSA - which is better?
RRSP is better if your marginal rate at contribution is higher than at withdrawal (common for high earners). TFSA is better if your marginal rate is the same or higher at withdrawal, or for lower-income earners. Many Canadians benefit from using both strategically.
What is the RRSP contribution deadline?
The RRSP contribution deadline is 60 days after December 31 of the tax year (typically March 1 or February 29 in leap years). Contributions made by the deadline can be deducted on the prior year's tax return.
What is the Home Buyers' Plan (HBP)?
The HBP allows first-time home buyers to withdraw up to $60,000 from RRSP tax-free to buy or build a qualifying home. The amount must be repaid to the RRSP over 15 years. Similarly, the Lifelong Learning Plan allows $20,000 for education.