计算器
RRSP 供款优化器
The best RRSP contribution isn't the maximum — it's the one that deducts every dollar at your highest rate. This finds it for your income and province, prices the refund, and shows what the refund becomes in a TFSA.
你的情况
确切的 RRSP 额度见你的 CRA 税务评估通知。你现在的边际税率是 43.4%%。
最佳供款点
供款 $2,955.00 正好把你带到下一个联邦税级的顶端——每一元都按你的最高税率抵扣。退税约 $1,220.76，所以这笔供款实际只花了你 $1,734.24。
把退税直接放进 TFSA，按 5% 实际回报，20 年后变成 $3,239.05——经典打法：按最高税率抵扣，退税的增值永不交税。
各供款额的退税
绿色是政府的份额——每笔供款中以退税形式回来的部分。
每档金额
| 供款 | 退税 | 实际抵扣率 | 实际成本 |
|---|---|---|---|
| 降一个联邦税级$2,955.00 | $1,220.76 | 41.3% | $1,734.24 |
| $5,000$5,000.00 | $1,994.51 | 39.9% | $3,005.49 |
| $10,000$10,000.00 | $3,689.11 | 36.9% | $6,310.89 |
| $15,000$15,000.00 | $5,289.36 | 35.3% | $9,710.64 |
| $20,000$20,000.00 | $6,863.36 | 34.3% | $13,136.64 |
| $25,000$25,000.00 | $8,371.65 | 33.5% | $16,628.35 |
| 用满全部额度$30,000.00 | $9,854.15 | 32.8% | $20,145.85 |
供得越多，实际抵扣率越低——后面的钱从更低的税级里抵扣。这就是把供款分摊到多年而非一次投入的全部理由。仅为估算；不构成税务建议。