加拿大 RRSP 計算器

使用方法

1. 1
   填寫各項

   輸入數字或選擇所需選項。

2. 2
   檢視結果

   更改任何值時，答案會立即更新。

3. 3
   使用結果

   複製結果或記下來。不會向任何地方傳送任何內容。

About this tool

Enter your income, the contribution, your marginal tax rate, the years it grows and the expected return. The calculator shows your deduction limit (18 percent of earned income up to the yearly maximum), the tax refund and a projected value.

How RRSP saves tax

Contributions to a registered retirement savings plan are deducted from your taxable income, so you get a refund at your marginal rate. Growth is tax sheltered until you withdraw. The yearly limit is 18 percent of the previous year's earned income up to a maximum, $33,810 for 2026, plus any unused room.

Example

A $10,000 contribution at a 31 percent marginal rate saves about $3,100 in tax. At 6 percent for 25 years the contribution could grow to around $42,900.

Compare

A TFSA uses after-tax money but withdrawals are tax free. An RRSP is usually better when your tax rate now is higher than it will be in retirement.

計算示例

With the boxes at their starting values (Earned income last year (CAD): 85000; RRSP contribution (CAD): 10000; Marginal tax rate (%): 31; Years of growth: 25; Expected return (%): 6), the tool shows: Deduction limit (CAD): 15,300; Amount you can deduct (CAD): 10,000; Tax refund (CAD): 3,100; Contribution after growth (CAD): 42,919; Tax saved (CAD): 3,100. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

獲得最佳結果的提示

在相信結果之前先檢查每一個輸入項，因為一個錯誤的數字就會改變整個答案。請使用工資單、賬單、證書或合同上的準確數字，並記下計算日期。稅率、門檻和規則會不時變化，因此對於稅費和法律事務，請將結果視為估算，並與本頁註明的官方來源核對。您可以嘗試任意多個方案；不會儲存或傳送任何內容，重新整理頁面會清空輸入。