The Canada Revenue Agency updated its registered plans limits table on Oct. 28, 2026, posting a 2028 RRSP dollar limit of $36,390. That amount is $1,000 above the 2027 RRSP dollar limit of $35,390. CTC News carried the same figures on Oct. 29.

The posting is a routine annual publication of statutory dollar amounts. It does not change contribution-room formulas, tax treatment, withdrawal rules, or how RRSP, TFSA, FHSA, or non-registered accounts work. No new federal or provincial rule changes affecting those accounts have been announced since Oct. 27.

The same CRA table sets the following 2027 figures, which pension administrators and some plan members use alongside the RRSP cap:

  • 2027 money purchase (MP) limit: $36,390
  • 2027 defined benefit (DB) limit: $4,043.33
  • 2027 deferred profit sharing plan (DPSP) limit: $18,195
  • 2027 year’s maximum pensionable earnings (YMPE): $76,700
  • 2027 year’s additional maximum pensionable earnings (YAMPE): $87,400

For Canadian investors, new RRSP contribution room for a year is generally 18 per cent of the prior year’s earned income, up to that year’s dollar limit, minus pension adjustments. The 2028 RRSP dollar limit matches the 2027 MP limit, which is the usual statutory linkage. YMPE and YAMPE feed Canada Pension Plan contribution calculations and certain registered pension plan formulas. They do not by themselves change TFSA or non-registered taxation.

This CRA update does not include a new TFSA dollar limit for 2027 or 2028. Those amounts are typically confirmed later. FHSA annual and lifetime limits were not restated as new policy in this release.

A Home Buyers’ Plan repayment extension that lengthens the repayment period to five years for withdrawals in 2026 through 2028 remains in force from earlier September legislation. It is unchanged by the Oct. 28 table.

Nothing in the update alters capital-gains inclusion, dividend gross-up, or the taxation of non-registered accounts. The confirmed facts are the published dollar limits; any broader budget or TFSA announcement would be a separate event. This summary is informational and is not tax, legal, or investment advice.