如何决定放多少到RRSP？

[笨妈笨爸]

不想放太多到RRSP，只想放一个刚好的数目把税率降到下一档。
请问有guidence或者worksheet之类的东西可以根据个人家庭情况（如小孩等）来帮助计算的吗？

 

[ottawa_it_blue_collar]

不想放太多到RRSP，只想放一个刚好的数目把税率降到下一档。
请问有guidence或者worksheet之类的东西可以根据个人家庭情况（如小孩等）来帮助计算的吗？

用报税软件试下就出来了。

 

[dkwan]

if possible, just enough to lowered your total income to the next tax bracket below.

 

[笨妈笨爸]

用报税软件试下就出来了。

Good idea！每一种报税软件都有这个功能？我用的是一款免费的，好像没有这个功能。

 

[ccc]

 

[ccc]

Good idea！每一种报税软件都有这个功能？我用的是一款免费的，好像没有这个功能。

没有这个功能如何报税？

 

[笨妈笨爸]

if possible, just enough to lowered your total income to the next tax bracket below.

Yes, I am trying to do that.
Since I guess a person having a family should contribute less than a single of the like-salary in this situation, I am trying to figure out an exact number for it.

 

[笨妈笨爸]

没有这个功能如何报税？

也是。我填完就不管了，从来没仔细想过。

 

[月下独酌]

max out了还是top bracket怎么办

 

[lifeisfun]

有多余的钱，当然全买降税最多。当然以后你预期工资还会涨，可以留点额度。

 

[笨妈笨爸]

max out了还是top bracket怎么办

人傻钱多! 捐出去啊。

 

[dkwan]

Remeber a few key points:
1) Once you put in RRSP, you expected to leave in there for a longer time, 5-10
2) Look at contribution and saving ratio, meaning when you contribute $100 into RRSP, how much you can get back?
3) When saving is less, consider put money into child(ren) RESP (that's immediate 20% return on first $2000 every year)
4) Consider some non-registered investment, or TFSA

 

[月下独酌]

人傻钱多! 捐出去啊。

no.

 

[mooncake]

浏览附件390929

还有一个省税的bracket。得放到一起考虑。一般能降到第二个bracket就OK了。降不到也不用着急，不差钱

Ontario
5.05% on the first $40,120 of taxable income, +
9.15% on the next $40,122, +
11.16% on the next $433,848, +
13.16 % on the amount over $514,090

 

[dkwan]

Damn, I am in the last tax bracket....