SimulRRSP—RRSP Tax Calculator

How much tax will your RRSP contribution actually save you? SimulRRSP computes your real 2026 tax savings — not a rough estimate. It calculates your full federal and provincial tax with and without your contribution and shows you the exact difference, the way your tax return will. WHY IT'S MORE ACCURATE • Real 2026 brackets for all 13 provinces and territories • Quebec fully supported: Revenu Québec brackets + the 16.5% federal abatement • Includes the Ontario surtax AND the Ontario Health Premium that most calculators ignore • Handles bracket crossings and credit phase-outs — no flat "marginal rate" shortcuts WHAT YOU GET • Your total savings and the refund rate per dollar contributed • Federal / provincial breakdown and marginal rates before and after • Side-by-side comparison of contribution amounts • Contribution room check (18% of income, $33,810 max for 2026, plus your unused room) • Fully bilingual: English and French PRIVATE BY DESIGN Everything is calculated on your device. No account, no ads, no tracking — your income never leaves your phone. OFFICIAL SOURCES The tax rates and limits used by SimulRRSP come from official government publications: • Canada Revenue Agency — Tax rates: https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html • Canada Revenue Agency — RRSPs: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans.html • Revenu Québec — Income tax rates: https://www.revenuquebec.ca/en/citizens/income-tax-return/completing-your-income-tax-return/income-tax-rates/ Estimates are for information only and do not constitute tax or financial advice. This app is not affiliated with or endorsed by any government agency.