As we dive into 2026, it’s the perfect time to review the key dates and contribution limits for registered accounts. Staying on top of these important deadlines will help ensure your financial plans stay on track throughout the year. Below, we’ve laid out the key deadlines and contribution limits for 2025-2026 to keep you informed and ready.
RRSP
March 2, 2026, is the deadline for contributing to an RRSP for the 2025 tax year, with a contribution limit of up to $32,490.
The RRSP contribution limit for the 2026 taxation year is the lesser of $33,810 or 18% of your 2025 earned income.
| Year | Max |
|---|---|
| 2024 | $31,560 |
| 2025 | $32,490 |
| 2026 | $33,810 |
TFSA
The annual TFSA dollar limit for 2025 is $7,000.
If you are contributing in 2026 for the first time, you are eligible to deposit $109,000 in total contributions, provided you have been over 18 years of age since 2009 and have a valid social insurance number.
| Year | Max |
|---|---|
| 2024 | $7,000 |
| 2025 | $7,000 |
| 2026 | $7,000 |
| Lifetime Total | $102,000 |
RESP
There is no annual RESP contribution limit. However, to maximize your potential annual CESG grant of $500, it is recommended that you contribute $2,500 to your RESP per beneficiary per year. Keep in mind that the lifetime contribution limit for any one beneficiary is $50,000.
| Contribution Period | Contribution | Max Grant |
|---|---|---|
| 1 Year | $2,500 | $500 |
| 1 Year + Catchup Year | $5,000 | $1,000 |
| Lifetime Total per child | $50,000 | $7,200 |
FHSA
If eligible, you can contribute up to $8,000 annually to the account, but the funds must be used within 15 years of opening an FHSA or before you turn 71, whichever comes first. You can make a qualifying withdrawal from an FHSA and a Home Buyer’s Plan withdrawal from an RRSP for the same home purchase, as long as all conditions are met at the time of each withdrawal.
RRSP Home Buyers’ Plan
The current withdrawal limit for the RRSP Home Buyers’ Plan is $60,000. The higher withdrawal limit applies to withdrawals made after April 16, 2024. To qualify as an eligible withdrawal, the qualifying home must be purchased or constructed by October 1 of the year following the first withdrawal.
Tax filing deadline for individuals
The deadline to file your 2025 personal income tax return is April 30, 2026, unless you are self-employed – in that case the deadline to file your 2025 taxes is June 15, 2026 if you are self‑employed. You can start filing your 2025 return online on February 23, 2026.