Compliance News | November 12, 2025
Numbers Retirement Plan Sponsors Need to Know for 2026
The Canada Revenue Agency (CRA) has announced the 2026 limits for annual money purchase (MP) plans, defined benefit (DB) pension plans, registered retirement savings plans (RRSPs) and deferred profit-sharing plans (DPSPs), as well as the year's maximum pensionable earnings (YMPE) and the year’s additional maximum pensionable earnings (YAMPE) for 2026.
2026 Retirement Plan Limits and Thresholds with 2025 Amounts for Comparison
| 2025 | 2026 | |
| MP limit | $33,810.00 | $35,390.00 |
| DB limit | $3,756.67 | $3,932.22 |
| RRSP dollar limit | $32,490.00 | $33,810.00 |
| DPSP limit | $16,905.00 | $17,695.00 |
| YMPE | $71,300.00 | $74,600.00 |
| YAMPE | $81,200.00 | $85,000.00 |
To see how those amounts compare to earlier years, refer to the CRA website.
Action items
Plan sponsors and administrators should incorporate the new maximums and thresholds into their software programs or spreadsheets as needed.
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Segal can be retained to work with plan sponsors and their legal counsel on determining the implications.
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