Canadian Registered Plan Limits (2026)
Table: Canadian Registered Plan Limits
| Registered Plan Type |
2026 Limit | 2025 Limit | Description Limits & Rules |
|---|---|---|---|
| RRSP Dollar Limit | $33,810 | $32,490 | The maximum annual contribution limit |
| TFSA Annual Contribution Limit | $7,000 | $7,000 | The annual contribution room, cumulative limit for since 2009 is $190,000 in 2026 |
| ALDA Dollar Limit | $180,000 | $180,000 | Maximum lifetime amount that can be transfered from a registered plan to purchase an Advanced Life Deferred Annuity. |
| Defined Benefit (DB) Limit | $3,932.22 | $3,756.67 | Maximum annual pension benefit allowed for each year of service under Defined Benefit RPP. |
| DPSP Limit | $17,695 | $16,905 | Maximum annual contribution allowed into a Deferred Profit Sharing Plan. |
| YMPE | $74,600 | $71,300 | Year's Maximum Pensionable Earnings |
| YAMPE | $85,000 | $81,200 | Year's Additional Maximum Pensionable Earnings |
| RRIF Minimum Withdrawal Factors | Not Applicable | See: 2026 RRIF Withdrawal Rates | |
| LIF Maximum Withdrawal Factors | Not Applicable | See: 2026 LIF Withdrawal Limits | |
Source Canada Revenue Agency - Registered Plan Limits (2026).