About PlainRRSP

Our mission is to make Canadian tax-advantaged savings transparent and freely accessible to every household — without paywalls, without referral links to banks or brokers, and without the marketing copy that surrounds most RRSP/TFSA/RESP coverage online.

PlainRRSP encodes the Canada Revenue Agency's three core registered-account ceilings — the annual RRSP dollar limit, the lifetime and yearly TFSA room, and the lifetime RESP cap with its Canada Education Savings Grant match — and combines them with each province's marginal-tax-bracket schedule. The result is a single calculator that tells you how much tax you defer today by maxing each account, which one to fund first, and what the trade-off looks like against your expected retirement marginal rate.

Our data

Every number we ship traces back to a public Canadian government source:

  • RRSP / TFSA / RESP limits: Canada Revenue Agency registered-plans tables, refreshed when CRA publishes annual updates (typically November).
  • Provincial tax brackets: each province's finance-ministry schedule — Ontario MoF, Quebec MRQ, Alberta TBF, and the equivalent body in every other province and territory.
  • Demographic and earnings reference points: Statistics Canada Table 11-10-0239-01 and related earnings tables.

Methodology

We download upstream CRA and provincial schedules, normalize them into a single calculator engine, and verify every bracket against the published rate notice. No bracket value is interpolated or editorialized. The full process is documented on our methodology page, which lists the exact dataset vintage shipped in the current build.

Updates

CRA publishes the next year's RRSP and TFSA limits in late autumn; provincial budgets typically refresh marginal-rate schedules in spring and fall. We rebuild the underlying database within days of each release and surface the vintage on the methodology page so you always know how fresh the numbers are.

Not affiliated

PlainRRSP is not affiliated with the Canada Revenue Agency, any provincial finance ministry, any bank, broker, or robo-advisor. We do not accept compensation, referral fees, or sponsorship from financial institutions.

Who built this

PlainRRSP is published by ", an independent data-journalism publisher that compiles, verifies, and contextualizes public datasets. PlainRRSP is the first Canada-focused portal in the Kiznis Studio fleet and is part of a small cross-portal cluster on tax-advantaged household savings together with our UK-focused PlainISA calculator.

AI disclosure

Some explanatory copy on this site is AI-assisted — drafted with the help of language models and then reviewed by our editorial team for accuracy, neutrality, and Canadian regulatory specificity. Every piece of AI-generated copy undergoes editorial review before publication. The numerical calculator output, contribution-room math, and provincial bracket tables are computed directly from the seeded CRA and provincial data — they are not AI-generated and never pass through a language model at render time.

Important disclaimer

PlainRRSP is for informational purposes only and does not provide financial, tax, or investment advice. The calculator output reflects public CRA rules and provincial bracket schedules — it does not account for your full personal situation (other deductions, carry-forward room, pension adjustments, attribution rules, US-tax filing obligations, withdrawals already taken, etc.). For decisions with material money on the line, consult a CPA or a Certified Financial Planner licensed in your province.

Editorial standards

PlainRRSP follows the Kiznis Studio editorial pipeline — every page is drafted from primary sources, reviewed by a named editor, and stamped with the date of last review. Numerical calculator output is computed deterministically from seeded CRA and provincial bracket data; it never passes through a language model at render time. AI-assisted explanatory copy is labelled in the relevant section and undergoes editorial review before publication.

We accept reader corrections on every page. When you flag an error, we either correct it in the next data build (if the underlying upstream data has changed) or annotate the page with a correction notice referencing the original CRA or provincial source. We do not silently rewrite history — corrections leave an audit trail.

Contact

For corrections, questions, or feedback, email hello@plainrrsp.com or use our contact form.