needlaurel

这个是税率计算器
http://lsminsurance.ca/calculators/canada/income-tax

假设您今年税前收入是42000，您的个人所得税就是9200，如果您投资了5000RRSP，您的税前收入就按照37000报，您的所得税就是7577，从政府要回1623块退税

假设您今年税前收入是38000，您的个人所得税就是7862，如果您同样投资了5000RRSP，您的税前收入按照33000报，所得税就是6436，从政府要会1326元。

我们可以看到前者的税率在买RRSP前是38.37%，买了之后成了28.53%，所以这时候RRSP的退税效率就显现出来了。
而后者税率在买RRSP前和之后保持不变，都是28.53%，所以退税效率低。

蒙城小曹：514-5812231

poplaryang

i forget my company buy 3.5% RRSP for me, and I bought already full RRSP on tax return 2008, i.e., I bought more than identified. How much penalty I have to pay?

Can I transfer to my wife? But the name cannot be changed!

zhangyi_0217

可否问一个弱问题， RRSP 的额度是否有EXPIRE DATE呀？过期不买作废？

eastcoast

You are allowed for $2000 over purchased life long. If you bought some RRSP in 2010 and you can leave it for next year claim and it won't count for this year's RRSP room. You can only buy RRSP in your wife's name, but it is still within your limit.

Post by poplaryang;2479299
i forget my company buy 3.5% RRSP for me, and I bought already full RRSP on tax return 2008, i.e., I bought more than identified. How much penalty I have to pay?

Can I transfer to my wife? But the name cannot be changed!

poplaryang

Thanks and it is good

Post by eastcoast;2479588
You are allowed for $2000 over purchased life long. If you bought some RRSP in 2010 and you can leave it for next year claim and it won't count for this year's RRSP room. You can only buy RRSP in your wife's name, but it is still within your limit.