What changed
| Limit | 2026 |
|---|---|
| TFSA yearly limit | $7,000 |
| RRSP dollar limit | $33,810 (was $32,490 for 2025) |
| OAS recovery tax starts at net income of | $95,323 |
| Maximum CPP retirement pension at 65 | $1,507.65 a month |
What it means for you
- If you have been eligible since 2009, your total TFSA room can be large. Your own room depends on when you turned 18 and what you have put in or taken out.
- The RRSP limit is the lower of the dollar limit and 18% of last year's earned income, less any pension adjustment.
- If your income is above the OAS threshold, part of your OAS is repaid at 15% of the amount above it.
Check your own number
Use the TFSA room calculator, the RRSP calculator, the OAS clawback calculator and the CPP calculator.
Read more: Canadian registered account and pension limits for 2026.
TFSA contribution room calculator Work out your TFSA room.Sources
- CRA: RRSP, TFSA and related limits
- Canada.ca: CPP payment amounts
- Canada.ca: Old Age Security pension recovery tax
This article is for education and is not financial, tax or legal advice. Figures are checked against the sources above and may change. Read the full disclaimer.