Your RRSP, carry-forward aware.
Track Registered Retirement Savings Plan contributions against your real CRA deduction limit. Carry-forward room calculated automatically. Spousal RRSP support. Home Buyers’ Plan and Lifelong Learning Plan tracking.
Deduction Limit Tracker
18% of earned income, capped at $32,490 (2026). We track contributions against the limit and surface unused room.
Carry-Forward Room
Unused RRSP room carries forward indefinitely. We aggregate carry-forward from CRA MyAccount estimate plus contributions tracked since you joined.
Spousal RRSP Support
Contribute to your spouse’s RRSP and we attribute to your deduction limit. Critical for income-splitting in retirement.
HBP & LLP
Track Home Buyers’ Plan ($60,000 from 2024 onwards) and Lifelong Learning Plan withdrawals + 15-year repayment schedules.
Tax Refund Estimator
Estimate your RRSP-driven tax refund based on marginal rate (federal + provincial). See exactly what a $5,000 March contribution saves you in April.
Investment Performance
Aggregate RRSP holdings across Wealthsimple, Questrade, RBC, TD into one view. Performance net of fees.
How it works
- 1
Connect RRSP providers
Plaid Canada syncs all major RRSP holders. Read-only.
- 2
Enter starting room
Pull from latest Notice of Assessment or CRA MyAccount. We track going forward.
- 3
Set deduction year preference
Choose calendar year or first 60 days of next year (the RRSP deadline rule).
- 4
Track and deduct
Annual T4RSP and RC59 ready for tax filing season. Push to TurboTax / Wealthsimple Tax / UFile.
Frequently asked questions
What is the 2026 deadline?â–Ľ
For deductions against 2025 income, you have until 2 March 2026 (first 60 days). Contributions during this window can be claimed on either your 2025 or 2026 return.
Contribution vs deduction?â–Ľ
You can contribute up to your deduction limit, but choose to deduct in a future higher-income year. We track both.
Spousal RRSP — whose limit?▼
The contributing spouse’s deduction limit is used, even though funds are in the other spouse’s plan. We attribute correctly when you tag as spousal.
How does the HBP tracker work?â–Ľ
Track up to $60,000 withdrawn. 15-year repayment starts year 2 after withdrawal. Missed repayments count as taxable income — we warn.
Try RRSP Tracker free
Free plan forever. No credit card. Cancel anytime.