Start with your Notice of Assessment.

New room is generally the lesser of 18% of the previous year’s earned income and the annual dollar limit, adjusted for pensions and carryforward. This estimate is not a tax-refund calculation. Contributions already made but not deducted can reduce what you can still contribute.

Verify your room against your CRA account, Notice of Assessment and your own transaction records before contributing. This tool does not determine eligibility or penalties.

Limits verified through 2026. CRA annual limits · CRA calculation guidance.