# Canadian tax numbers: 2026 vs 2027

> Compare Canadian tax numbers for 2026 and 2027: RRSP limit, EI premium and maximum, with CPP, TFSA and brackets marked as not yet published.

People are already asking what changes in 2027. Some numbers are out, most are not. This page shows only what has been published, and marks the rest as not yet published instead of guessing. We update it as each figure lands.

## What do we know about 2027 so far?

| Item | 2026 | 2027 |
| --- | --- | --- |
| RRSP dollar limit | $33,810 | $35,390 |
| EI maximum insurable earnings | $68,900 | $70,800 |
| EI employee rate (outside Quebec) | 1.63% | 1.64% |
| Maximum EI employee premium | $1,123.07 | $1,161.12 |
| EI employer rate | 1.4 times the employee rate | 1.4 times the employee rate |
| CPP maximum pensionable earnings (YMPE) | $74,600 | Not published yet |
| CPP2 second ceiling (YAMPE) | $85,000 | Not published yet |
| TFSA annual limit | $7,000 | Not published yet |
| Federal basic personal amount | $16,452 (maximum) | Not published yet |
| Federal bracket thresholds | See 2026 rates | Not published yet |

The federal indexation factor for 2027 is normally announced in the fall, and the CPP ceilings usually follow late in the year. Until then, any number you see for those rows is a projection, not a rule.

## What does the EI change mean for your paycheque?

The employee rate moves up one cent, from 1.63% to 1.64%, and the ceiling rises by $1,900. Together that adds about $38 to the most an employee can pay in a year. If you earn under the ceiling, the difference is a few bucks. Quebec has its own rates for EI and QPIP, so those numbers differ there.

## How much more RRSP room is there?

The dollar limit rises by $1,580, from $33,810 to $35,390. Your own room is still the lesser of that figure and 18% of last year's earned income, minus pension adjustments, plus any unused room. Your notice of assessment shows the real number.

## Why are some rows empty?

Because the government has not published them. Some websites show "projected" 2027 CPP or TFSA numbers. Those are guesses based on past patterns. We would rather show a gap than a figure that could be wrong.

## Where can you run your own numbers?

The [income tax calculator](https://tax-services.ca/calculators/income-tax/income-tax-calculator) and the [take-home pay calculator](https://tax-services.ca/calculators/payroll-salary/take-home-pay-calculator) use 2026 rules. See the [2025 vs 2026 comparison](https://tax-services.ca/tax-numbers-2025-vs-2026) for last year's changes, or [the 2027 tax calendar](https://tax-services.ca/tax-calendar-2027) for dates. These are estimates for information only.

## Where do these figures come from?

The RRSP figure comes from the [Canada Revenue Agency limits table](https://www.canada.ca/en/revenue-agency/services/tax/registered-plans-administrators/pspa/mp-rrsp-dpsp-tfsa-limits-ympe.html). The EI figures come from the 2027 premium rate announcement and the [OSFI actuarial report](https://www.osfi-bsif.gc.ca/en/oca/actuarial-reports/2027-actuarial-report-employment-insurance-premium-rate). This is an independent information site: we provide no services, we do not represent the CRA or any organization, we collect information from open sources, and we do not guarantee it is accurate. Check the official pages before you rely on a figure. Last checked October 2026. See the [full disclaimer](https://tax-services.ca/disclaimer).

Still have questions about next year? See the [2027 tax questions](https://tax-services.ca/2027-tax-questions).

Want to see the effect on your pay? Try the [take-home pay 2027 preview](https://tax-services.ca/calculators/payroll-salary/take-home-pay-2027-preview).

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Source: https://tax-services.ca/tax-numbers-2026-vs-2027
Last updated: 2026-10-10
Independent information site. Not affiliated with the CRA. No services, no guarantee of accuracy. See https://tax-services.ca/disclaimer