Updated Checked by the Tax-Services.ca editorial team How we check
For 2026 the RRSP dollar limit is $33,810, the TFSA annual limit is $7,000 and the FHSA annual limit is $8,000. The top federal rate is 33% above $258,482, and CPP applies to earnings up to $74,600.
Looking for the RRSP limit? This year’s CPP ceiling? The federal brackets? They’re here, and they’re the figures people look up most for 2026. Each table names its source and the date we checked it, and you can follow the links on to the guides for the reasoning behind a number.
This page is for the moment you have a question that is really a number. How much can I put into my RRSP? Where does the 33% bracket start? What do I pay into CPP on this salary? Rather than digging through a CRA page and a dozen forum posts, you can find the figure in one place, with the source printed beside it so you can check it yourself.
A number on its own can mislead, though. A bracket is only useful once you know it applies to the slice of income above the threshold, not to the whole amount, and a limit is only useful if you know whether it’s yours or the general one. So each figure here links on to a page that explains how it works and shows an example with real dollars. Use the tables for a quick answer, and the guides when you want to be sure you’ve understood it.
We don’t prepare returns and these figures are general information, not advice on your case. Tax figures also get indexed every year, so look at the date beside each table before you rely on it.
Most read right now
- 2026 federal income tax brackets and rates
From 14% on the first $58,523 up to 33% above $258,482, with a $100,000 example.
- CRA RRSP rules for 2026
The limit is $33,810 or 18% of earned income, plus the deadline and the 1% monthly penalty.
- TD1 form 2026
Shows the 2026 basic personal amount of $16,452 and what it changes on your pay.
- Canada payroll deductions 2026
CPP at 5.95% and EI at 1.63%, and why two of them stop partway through the year.
- Mileage rates 2026
73 cents a km for the first 5,000 km and 67 cents after that, with an example.
Savings and retirement
| RRSP dollar limit | $33,810Up from $32,490 for 2025. Your own limit is 18% of last year's earned income, up to this cap, plus unused room, minus any pension adjustment. |
|---|---|
| TFSA annual limit | $7,000Total room since 2009 is $109,000 if you were 18 or older and a Canadian resident in every year since then. Add up the CRA table to check; the CRA does not print that total. |
| FHSA annual limit | $8,000Lifetime limit $40,000. Unused annual room carries forward, up to $8,000. |
| RESP basic grant | 20% of the first $2,500 a yearThat is up to $500 a year and $7,200 over the life of the plan. |
Source: CRA: RRSP, TFSA, YMPE limits, checked on September 29, 2026.
Federal income tax
| First bracket | 14% up to $58,523 |
|---|---|
| Second bracket | 20.5% from $58,523 to $117,045 |
| Third bracket | 26% from $117,045 to $181,440 |
| Fourth bracket | 29% from $181,440 to $258,482 |
| Top bracket | 33% above $258,482 |
| Basic personal amount | $14,829 to $16,452The full $16,452 applies at a net income of $181,440 or less. It shrinks to $14,829 at $258,482 and stays there. |
| Capital gains inclusion rate | 50%Half of a gain is added to your income. |
Source: CRA: tax rates and brackets, checked on September 29, 2026.
CPP and EI for employees
| CPP maximum pensionable earnings (YMPE) | $74,600Up from $71,300 for 2025. |
|---|---|
| CPP basic exemption | $3,500The first $3,500 of pay does not attract CPP. |
| CPP employee rate | 5.95%Maximum employee contribution $4,230.45. |
| CPP second ceiling (YAMPE) | $85,000Between $74,600 and $85,000 the extra CPP2 rate of 4% applies, up to $416. |
| EI maximum insurable earnings | $68,900Outside Quebec the employee rate is 1.63%, so the maximum premium is $1,123.07. See the CRA EI page for the rate in Quebec. |
Source: CRA: CPP contribution rates and maximums, checked on September 29, 2026.
How do you use these figures?
The brackets above are federal. Your province adds its own tax on top, so your bill is bigger than the federal column alone suggests, and the gap can be several thousand dollars on a middle income once you add the second layer to the first. The province pages list those rates, and the income tax calculator adds the two layers for you.
Need more depth? The RRSP guide and the CPP guide explain the limits, and the tax brackets page keeps the full rate tables. The tax calendar has the dates, and the glossary explains terms such as basic personal amount and marginal rate.
Where are your own limits?
On your notice of assessment from the CRA. Your RRSP deduction limit, for one, is personal, so check it there before you contribute. What’s printed on this page is general information, and it can’t know your history, so it won’t replace the letter the CRA sends you.
Frequently asked questions
Where do these figures come from?
From the CRA pages named under each table. We checked them on September 29, 2026, and the date is printed next to each source.
What is the YMPE?
It is the year's maximum pensionable earnings, the amount of pay on which CPP contributions are charged. For 2026 it is $74,600.
Do the provinces use the same brackets?
No. The federal brackets here apply to everyone, and each province adds its own. The province pages list them.
When are these numbers updated?
Every January, and again when a rate changes during the year. The date at the top of the page shows the last review.
Information only. This page is general information, not tax, legal or accounting advice. Tax-Services.ca is an independent publisher: we don't prepare or file tax returns or offer tax services, and we have no connection with the CRA, Revenu Québec, any government or any company named on this page. Check the figures that matter with an official source or a qualified professional.