villo

请问rrsp是买得越多税就退得越多吗，如年薪6万3，没有小孩，有代款买房

Montreanr

Let's say my RRSP limit for 2007 is 4000, but I bought 10000 and claimed 4000 of course.

Then you have $6,000 to carry forward, but the first $2,000, CRA will not charge you penalty, for the $4,000 of excess $2,000, you will be charged penalty of 1% per month.

My RRSP limit for 2008 is 14000. Do I need to buy 14000 in full or I can just buy 8000 since I have 6000 leftover from 2007.

1. youn need deduct the C/F amount of $6,000
2. your left room is $8,000, you can purchase the full amount,
3. you purchase another extra $2,000 without penalty.
so, total=8,000+2,000=10,000

Post by c.otherstuff;2149975
I have one question, please advise.
Let's say my RRSP limit for 2007 is 4000, but I bought 10000 and claimed 4000 of course.
My RRSP limit for 2008 is 14000. Do I need to buy 14000 in full or I can just buy 8000 since I have 6000 leftover from 2007.



Please let me know.

Thank you.

Lulu39

Post by lanyu;2155701
As I know, RRSP can be used to deduct the income you earned, as a result, the taxable income will be decreased and you can pay less on the income tax.
So RRSP is just like a non-refundable tax credit, but not a refundable credit.
That's why I dont understand why you say people can get refund from the government because you buy RRSP and also you have the formula to calculate the amount ??

RRSP 既不是 like a non-refundable tax credit，也不是 a refundable credit，
而是直接从Total Income 中减去， 使得 Net Income 的数额变小，所以能少赋税。

lanyu

As I know, RRSP can be used to deduct the income you earned, as a result, the taxable income will be decreased and you can pay less on the income tax.
So RRSP is just like a non-refundable tax credit, but not a refundable credit.
That's why I dont understand why you say people can get refund from the government because you buy RRSP and also you have the formula to calculate the amount ??

needlaurel

我有收入税率表，查出来的。你想知道你的情况，给我打电话吧。

Post by liaotian2008;2151274
我想请教needlaurel一下：
38.37%这个税率是怎么得到？
10000*38.37%=3837$是联邦和魁省因为买RRSP退税的总和吗？
谢谢。。。

liaotian2008

Post by needlaurel;2148232
我给你简单地说一下。

你的限量是你的2007年的收入乘以18%.不过，你只需要看到2007税务年度联邦税务局给的发的notice of assessment就行了。上头写着最高限量。比如说你得税前收入63000块，你已经被扣掉了17622块，如果你买1万块钱RRSP，那你可以得到10000*38.37%=3837块钱的退税。你如果多买的话也行，但是最多多买2000块，而且这两千块不能用来抵税。如果还有问题，请来电：514-5812231，小曹。

我想请教needlaurel一下：
38.37%这个税率是怎么得到？
10000*38.37%=3837$是联邦和魁省因为买RRSP退税的总和吗？
谢谢。。。

needlaurel

老兄，超过限量2000以上就要吃罚金，那你还多买它干吗？:cool:

Post by montrealpost;2150237
Yes, just  buy 8000.

p.s. there is PENALTY if u purchase more than your RRSP limit. (多买要付罚金)

montrealpost

Yes, just  buy 8000.

p.s. there is PENALTY if u purchase more than your RRSP limit. (多买要付[color="Red"]罚金)

Post by c.otherstuff;2149975
Let's say my RRSP limit for 2007 is 4000, but I bought 10000 and claimed 4000 of course.
My RRSP limit for 2008 is 14000. Do I need to buy 14000 in full or I can just  buy 8000 since I have 6000 leftover from 2007.

needlaurel

2007年的限量如果只有4000块的话，你最多可以多买2000块，也就是6000块。那多买的2000块不能申报，你只能申报4000块。如果你2008年的限量是14000的话，那你最多买12000。

montrealpost

Check your federal return last year, the letter that the government sent u.  The amount that u can buy for last year is BASED ON your reportED income the year before.  

There is already a max. amount that u are allowed to buy(cumulative if u don't use it).  Call the Tax office if u can't find the info(max. amount).