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Bar chart showing the RRSP dollar contribution limit rising to $33,810 for the 2026 tax year.

The RRSP dollar contribution limit rose to $33,810 for 2026, up from $32,490, and is already legislated to reach $35,390 in 2027. A separate figure matters more for family income-splitting strategies: the CRA prescribed rate has held at 3 percent for a sixth straight quarter, even as the Government of Canada five-year yield, the underlying pressure that eventually moves that rate, climbed to 3.60 percent from 3.33 percent a month earlier. A loan set up today locks in 3 percent for its full term regardless of future resets.

This chart is presented for general informational purposes only and does not constitute financial, investment, tax, or legal advice. Figures reflect the source and period indicated and may no longer be current.

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