RRSP Optimizer

RRSP Deductions Optimizer

Fill out the following information and then click "Run" to determine the optimal time to use your RRSP deductions.
This calculator assumes you contribute to your RRSP as soon as possible.

Province:
Beginning RRSP Deductions Available:
Discount Rate*:
*Think of this as the average rate of return on your investments


Expected Salaries (separated by commas):

Note that tax rates are subject to change over time and no pension adjustments are being considered, which will impact these results. As always, please speak with a tax specialist before claiming your RRSP deductions.