Updated Checked by the Tax-Services.ca editorial team How we check
As of October 2026, the RRSP limit, the CPP ceilings and the EI figures are confirmed for 2027. The 2027 RRSP dollar limit is $35,390, the CPP ceilings are $76,700 and $87,400, and EI maximum insurable earnings are $70,800 at a 1.64% employee rate. The TFSA limit, the federal basic personal amount and the federal brackets are not published yet, and this page marks them that way instead of guessing. We update it as each figure lands.
Short answer: The RRSP limit, the CPP ceilings and the EI figures are confirmed for 2027. Every other row is marked not published yet instead of guessed.
What do we know about 2027 so far?
The table compares 2026 and 2027. The 2027 RRSP limit and CPP ceilings come from the CRA’s table of RRSP, DPSP and TFSA limits, and the EI rate, ceiling and maximum premium come from the CRA’s page on EI premium rates and maximums. Rows in italics are not published yet.
| 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 |
| EI employee rate in Quebec | 1.30% | 1.29% |
| EI maximum weekly benefit | $729 | $749 |
| CPP maximum pensionable earnings (YMPE) | $74,600 | $76,700 |
| CPP2 second ceiling (YAMPE) | $85,000 | $87,400 |
| Maximum CPP employee contribution | $4,230.45 | $4,355.40 (calculated) |
| Maximum CPP2 employee contribution | $416.00 | $428.00 (calculated) |
| 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 |
| British Columbia brackets and credit amounts | 2026 tables | Same as 2026 (indexation paused) |
The federal indexation factor for 2027 is normally announced in the fall. Until then, any number you see for the federal brackets, the basic personal amount or the TFSA limit is a projection. The two “calculated” CPP rows are our own arithmetic: each ceiling less the $3,500 basic exemption, times the 5.95% rate, plus 4% on the slice between the two ceilings. The CRA has not put its own maximum-contribution figures for 2027 on its CPP page yet.
What does the 2027 EI change mean for your paycheque?
The EI employee rate outside Quebec 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 only a few bucks. Quebec has its own rates for EI and QPIP. The Quebec EI rate for 2027 is 1.29%, down from 1.30%, and QPIP is not published yet. The maximum weekly EI benefit rises from $729 to $749, according to the ESDC summary of the 2027 actuarial report.
What does the 2027 CPP change mean for your paycheque?
The first CPP ceiling rises by $2,100, from $74,600 to $76,700, and the second by $2,400, from $85,000 to $87,400. The rates stay at 5.95% and 4%, so someone earning above the second ceiling pays about $137 more over the year: $4,783.40 instead of $4,646.45. Below the first ceiling, CPP is 5.95% of each dollar over $3,500 in both years, so it only moves with your pay. Quebec workers pay into the QPP, and its 2027 figures are not published yet.
How much more RRSP room is there in 2027?
The RRSP 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, and the RRSP calculator can show what a contribution saves you.
Is British Columbia different in 2027?
Yes. British Columbia has paused indexation of its tax brackets and credit amounts for 2027 to 2030, so its thresholds stay at 2026 levels while the federal ones normally move. The province’s budget tax changes page has the details.
Why do some 2027 rows say not published yet?
Because the federal government has not published those figures. Some websites show “projected” 2027 CPP or TFSA numbers, but those are guesses based on past patterns. We would rather leave a gap than show a figure that could be wrong.
Where can you run your own numbers?
The income tax calculator and the take-home pay calculator use 2026 rules. See the 2025 vs 2026 comparison for last year’s changes, or the 2027 tax calendar for dates. The results are estimates for information only.
How can you cite or download these numbers?
Most rows in this table are also in a JSON file and a CSV file, with the official page for each figure next to it. When you quote a number, name the official page it comes from, because this table only summarizes that page. A plain way to do it: Tax-Services.ca, Canadian tax numbers 2026 vs 2027, checked October 2026, summarizing Canada Revenue Agency tables. The other files are listed on the open data page. Rows marked “calculated” are our own arithmetic and not an official figure.
Where do these figures come from?
The RRSP limit and the CPP ceilings come from the Canada Revenue Agency limits table, and the British Columbia pause comes from the province’s budget tax changes page. The EI figures come from the 2027 premium rate announcement and the OSFI actuarial report. 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.
More detail, one topic at a time: RRSP limit for 2027, EI premiums for 2027, CPP ceilings for 2027, the BC indexation pause, Manitoba credits for 2027, the PEI top bracket, the Canada Groceries and Essentials Benefit, the NETFILE closing date, the foreign buyer ban, the Productivity Mega Deduction. Figures still to come have their own pages: TFSA limit, federal brackets and indexation, QPP and QPIP, EI maximum weekly benefit.
Still have questions about next year? See the 2027 tax questions.
Want to see the effect on your pay? Try the take-home pay 2027 preview.
Frequently asked questions
What is confirmed for 2027 so far?
The RRSP dollar limit of $35,390, the CPP ceilings of $76,700 and $87,400, and the EI figures: maximum insurable earnings of $70,800, an employee rate of 1.64% outside Quebec and a maximum employee premium of $1,161.12, and an EI maximum weekly benefit of $749. Other 2027 figures are marked not published yet.
What is the RRSP limit for 2027?
The 2027 RRSP dollar limit is $35,390, up $1,580 from $33,810 in 2026. Your own limit is the lesser of that figure and 18% of last year's earned income, minus pension adjustments, plus unused room.
What is the maximum EI premium for 2027?
For 2027 the employee rate outside Quebec is 1.64% on earnings up to $70,800, so the maximum employee premium is $1,161.12. That is about $38 more than the 2026 maximum of $1,123.07.
Are the 2027 CPP ceilings and TFSA limit published yet?
The CPP ceilings are $76,700 and $87,400 for 2027, according to the CRA. The TFSA limit is not published yet as of the October 2026 check, nor are the federal basic personal amount and brackets. The maximum CPP contributions of $4,355.40 and $428.00 are our calculation from the ceilings and the rates in law.
Why does this page not show projected 2027 numbers?
Projected 2027 figures are guesses based on past patterns and could turn out wrong. This page shows only published figures and leaves the other rows marked as not published yet.
Is British Columbia indexing its tax brackets in 2027?
No. British Columbia has paused indexation of its tax brackets and credit amounts for 2027 to 2030, so they stay at 2026 levels.