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.
These are the Canadian tax figures for the 2026 tax year that people look up most: the RRSP dollar limit of $33,810, the federal brackets from 14% to 33%, the CPP and EI ceilings and rates, and the TFSA and FHSA limits. Each table names its source and the date we checked it, mostly the CRA’s own pages.
The CRA’s table of RRSP, DPSP and TFSA limits and the YMPE lists the 2026 RRSP dollar limit at $33,810 and the year’s maximum pensionable earnings at $74,600. The CRA’s page on EI premium rates and maximums gives the 2026 employee EI rate outside Quebec as 1.63%. 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? You get the figure with its source beside it, and a link to the guide that explains how it works.
A number on its own can mislead. A bracket applies only to the slice of income above its threshold, not to the whole amount, and a limit is only useful if you know whether it is yours or the general one. Use the tables for a quick answer and the guides when you want to be sure you have understood it. Tax figures are indexed every year, so look at the date beside each table before you rely on it. 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 source before you rely on a figure. We don’t prepare returns, and these figures are general information, not advice on your case.
Which 2026 figures do readers look up most?
- 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 federal and provincial tax fit together?
The brackets above are federal, and your province adds its own tax on top. Your bill is therefore 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.
For more depth, the RRSP guide and the CPP guide explain the limits, and the tax brackets page keeps the full rate tables. The RRSP calculator, TFSA calculator, FHSA calculator and CPP calculator put your own numbers against these limits. The tax calendar has the dates, and the glossary explains terms such as basic personal amount and marginal rate.
Does the RRSP limit apply to everyone?
No. The $33,810 figure is the 2026 ceiling, but your own room is 18% of last year’s earned income, up to that ceiling, plus any unused room carried forward. Take Dev, who earned $50,000: 18% of that is $9,000, so his new room for the year is $9,000, nowhere near the $33,810 maximum. A ballpark of 18% of your pay is a better first guess than the big number in the table.
Does a higher bracket mean all your income is taxed at that rate?
No. Only the dollars above each threshold are taxed at the higher rate, so the 33% federal rate applies only to income above $258,482. Earning a few bucks past the start of a bracket doesn’t pull your whole income into it, and a raise doesn’t mean the higher rate applies to all of your pay. The rate on your last dollar is your marginal rate, and the average across all your income is always lower.
Where do you find your own limits?
Your notice of assessment from the CRA shows your personal limits. Your RRSP deduction limit, for one, is personal, so check it there before you contribute. The figures printed on this page are general information and can’t know your history, so they won’t replace the letter the CRA sends you.
Want to see what moved since last year? Read the 2025 vs 2026 comparison.
Looking ahead? See what is already known in the 2026 vs 2027 comparison.
Looking for the brackets themselves? See Canadian tax brackets for 2026, federal and provincial.
Frequently asked questions
Where do these Canadian tax 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 RRSP dollar limit for 2026?
The 2026 RRSP dollar limit is $33,810. Your own limit is 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 your personal number.
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.
What are the federal tax rates for 2026?
The federal rates run from 14% on the first $58,523 of taxable income up to 33% on income above $258,482. Each rate applies only to the slice of income inside its bracket, and your province adds its own tax on top.
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.