Household Contributions to Registered Savings Accounts (18) and Selected Household Characteristics (30) for Private Households of Canada, Provinces and Territories, Census Metropolitan Areas and Census Agglomerations, 2016 Census - 100% Data

This table details household contributions to registered savings accounts and selected household characteristics for private households in Canada

Household contributions to registered savings accounts (18)	Selected household characteristics (30)
	Total - After-tax income of household^Footnote 1	Under $10,000	$10,000 to $19,999	$20,000 to $29,999	$30,000 to $39,999	$40,000 to $49,999	$50,000 to $59,999	$60,000 to $69,999	$70,000 to $79,999	$80,000 to $89,999	$90,000 to $99,999	$100,000 and over	$100,000 to $149,999	$150,000 to $199,999	$200,000 to $249,999	$250,000 and over	Total - Age of major income earner in the household^Footnote 2	15 to 24 years	25 to 34 years	35 to 44 years	45 to 54 years	55 to 70 years	71 years and over	Total - Households by household size	1 person	2 or more persons	2 persons	3 persons	4 persons	5 or more persons
Total - Household contributions to registered savings accounts^Footnote 3	14,072,080	447,640	972,345	1,301,965	1,445,505	1,402,870	1,299,680	1,169,520	1,041,635	900,050	757,295	3,333,580	2,181,490	704,340	225,210	222,540	14,072,080	517,520	2,199,865	2,537,485	2,840,980	3,981,420	1,994,805	14,072,080	3,969,790	10,102,285	4,834,600	2,140,640	1,946,275	1,180,770
No contributions to any registered savings accounts	4,895,795	371,710	782,590	873,330	780,565	591,440	441,410	314,540	220,850	150,735	101,725	266,910	192,945	40,455	13,980	19,525	4,895,790	284,740	707,010	706,295	733,840	1,377,915	1,086,000	4,895,795	2,010,225	2,885,565	1,632,100	552,050	397,580	303,835
Contributed to at least one type of registered savings account	9,176,285	75,930	189,760	428,635	664,935	811,435	858,270	854,985	820,780	749,320	655,575	3,066,675	1,988,540	663,890	211,230	203,015	9,176,285	232,780	1,492,855	1,831,195	2,107,140	2,603,505	908,805	9,176,285	1,959,565	7,216,715	3,202,500	1,588,585	1,548,695	876,935
Tax-free savings accounts (TFSAs)	5,684,945	66,595	164,815	346,530	468,540	520,860	525,390	504,840	471,830	421,775	365,555	1,828,215	1,134,780	410,540	140,205	142,680	5,684,945	173,615	924,140	911,330	1,102,925	1,701,270	871,665	5,684,945	1,269,755	4,415,190	2,124,095	938,015	830,385	522,695
Median contribution - TFSA ($)^Footnote 4	5,765	5,492	4,993	5,483	5,483	5,480	5,482	5,485	5,487	5,491	5,495	8,998	6,365	9,998	11,006	19,549	5,765	2,507	3,163	3,378	5,145	9,993	10,034	5,765	5,501	5,949	9,492	5,021	4,820	4,208
Registered retirement savings plans (RRSPs)	4,922,955	11,530	24,720	82,645	191,990	301,220	365,715	411,270	436,365	434,340	407,695	2,255,465	1,391,645	521,415	174,925	167,475	4,922,955	73,755	820,360	1,142,880	1,351,165	1,455,170	79,630	4,922,955	827,265	4,095,685	1,628,860	953,995	998,395	514,435
Median contribution - RRSP ($)^Footnote 5	3,815	2,005	1,002	1,095	1,302	1,807	2,097	2,414	2,692	3,094	3,606	6,936	5,020	9,638	16,009	24,866	3,815	1,697	2,607	3,302	4,346	4,993	2,096	3,815	2,997	4,009	4,014	3,850	4,207	3,923
Registered pension plans (RPPs)	4,233,620	5,125	15,590	55,230	160,605	265,130	329,100	370,615	396,290	393,200	368,130	1,874,595	1,238,695	428,170	122,000	85,730	4,233,615	78,335	764,595	1,051,345	1,220,990	1,085,935	32,425	4,233,620	667,100	3,566,515	1,305,875	861,115	925,845	473,685
Median contribution - RPP ($)^Footnote 6	4,170	296	331	714	1,547	2,261	2,739	3,081	3,493	3,904	4,445	6,586	6,007	8,102	8,571	8,295	4,170	1,583	3,428	4,685	4,859	3,914	1,454	4,170	3,642	4,300	3,895	4,163	5,047	4,488
Contributed to only one type of registered savings account	4,816,440	69,145	175,040	376,605	526,665	576,085	556,350	501,770	433,800	357,025	281,260	962,690	675,960	172,705	53,265	60,770	4,816,440	155,955	711,635	845,800	916,450	1,345,095	841,500	4,816,440	1,308,870	3,507,570	1,768,900	707,135	637,320	394,215
TFSA only	2,373,670	60,215	150,855	299,395	352,905	331,565	286,570	230,860	177,735	129,990	92,570	261,015	187,020	40,525	13,720	19,745	2,373,670	104,750	293,455	226,905	244,430	696,890	807,240	2,373,670	765,785	1,607,885	1,000,680	266,270	187,705	153,235
RRSP only	1,238,125	5,760	13,245	41,980	85,730	117,640	128,290	129,480	122,955	110,215	92,540	390,290	249,450	78,425	28,575	33,840	1,238,120	19,665	189,525	300,045	332,810	372,265	23,820	1,238,120	284,945	953,175	411,035	212,185	216,290	113,670
RPP only	1,204,650	3,175	10,940	35,230	88,030	126,885	141,485	141,430	133,110	116,820	96,155	311,390	239,485	53,755	10,965	7,180	1,204,650	31,535	228,655	318,855	339,215	275,945	10,440	1,204,650	258,140	946,505	357,185	228,675	233,330	127,315
Contributed to two types of registered savings accounts	3,054,460	6,250	14,080	48,285	120,350	194,925	241,890	274,690	290,255	284,580	262,805	1,316,360	848,575	286,125	90,035	91,625	3,054,460	60,720	546,205	696,440	813,450	877,945	59,705	3,054,460	496,840	2,557,625	1,010,875	598,365	616,820	331,565
TFSA and RRSP	1,330,875	4,835	10,075	32,020	65,695	97,105	114,300	124,030	123,800	115,905	102,335	540,770	313,370	116,770	46,930	63,695	1,330,875	30,025	245,285	252,905	308,915	448,415	45,325	1,330,875	241,735	1,089,135	484,910	249,020	218,855	136,350
RRSP and RPP	1,048,570	400	765	4,895	22,635	46,045	63,100	79,235	92,880	100,505	101,320	536,780	364,820	121,165	31,485	19,315	1,048,575	7,960	150,540	300,975	332,195	254,025	2,880	1,048,575	146,725	901,845	310,190	209,705	268,690	113,255
RPP and TFSA	675,015	1,010	3,245	11,365	32,015	51,765	64,490	71,425	73,575	68,170	59,150	238,805	170,385	48,190	11,615	8,615	675,010	22,735	150,385	142,560	172,340	175,500	11,495	675,010	108,375	566,640	215,775	139,645	129,265	81,955
Contributed to all three types of registered savings accounts (TFSA, RRSP and RPP)	1,305,385	530	640	3,750	17,930	40,430	60,025	78,525	96,720	107,710	111,505	787,620	464,000	205,060	67,935	50,620	1,305,385	16,105	235,020	288,950	377,245	380,460	7,600	1,305,385	153,860	1,151,520	422,730	283,090	294,555	151,155

Symbol(s)

Symbol ..

not available for a specific reference period

Symbol ...

not applicable

Symbol x

suppressed to meet the confidentiality requirements of the Statistics Act

Symbol F

too unreliable to be published

Footnote(s)

Footnote 1

After-tax income

'After-tax income' refers to total income less income taxes of the statistical unit during a specified reference period. Income taxes refers to the sum of federal income taxes, provincial and territorial income taxes, less abatement where applicable. Provincial and territorial income taxes include health care premiums in certain jurisdictions. Abatement reduces the federal income taxes payable by persons residing in Quebec or in certain self-governing Yukon First Nation settlement lands.

For the 2016 Census, the reference period is the calendar year 2015 for all income variables.

Footnote 2

Major income earner in the household - The person with the highest total income in the household.

Footnote 3

Registered savings accounts - A collective term for three types of savings accounts: tax-free savings accounts (TFSAs), registered retirement savings plans (RRSPs) and registered pension plans (RPPs).

Contributions to tax-free savings accounts (TFSAs) - Total dollar amount of contributions made by a person to tax-free savings accounts (TFSAs) during the reference period. Individuals can make contributions to their TFSAs up to a limit, known as the TFSA contribution room, in each calendar year.

The TFSA contribution room is made up of:
- the TFSA dollar limit for the calendar year;
- any unused TFSA contribution room from the previous year;
- any withdrawals made from the TFSA in the previous year.

Contributions to registered retirement savings plans (RRSPs) - Total registered retirement savings plan (RRSP) contributions a person deducted against his or her income for a given tax year. Contributions eligible for deductions include deposits made to his or her own registered retirement savings plans (RRSPs) and pooled registered pension plans (PRPPs) as well as his or her spouse's or common-law partner's registered retirement savings plans.

Individuals can make contributions to these plans up to a specified limit, known as the RRSP deduction limit for each tax year. The RRSP deduction limit is set at 18% of the contributor's prior year earned income up to an annual maximum, plus any unused RRSP deduction room carried forward from previous years, less any pension adjustments that are associated with registered pension plans (RPPs) from prior year and any employer's pooled registered pension plan (PRPP) contributions for the given tax year.

Contributions to registered pension plans (RPPs) - Total dollar amount of contributions made by an employee to registered pension plans (RPPs) during the reference year. A registered pension plan is an employer-sponsored plan registered with the Canada Revenue Agency. The purpose of such plans is to provide employees with a regular income at retirement.

Household contributions refer to the total amount of contribution from all household members.

For the 2016 Census, the reference period is the calendar year 2015 for these contributions variables.

Footnote 4

Median contribution - The median contribution of a specified group is the amount that divides the contribution distribution of that group into two halves, i.e., the contributions of half of the units in that group are below the median, while those of the other half are above the median. Median contributions of households are calculated for those with contributions only.

Footnote 5

Median contribution - The median contribution of a specified group is the amount that divides the contribution distribution of that group into two halves, i.e., the contributions of half of the units in that group are below the median, while those of the other half are above the median. Median contributions of households are calculated for those with contributions only.

Footnote 6

Median contribution - The median contribution of a specified group is the amount that divides the contribution distribution of that group into two halves, i.e., the contributions of half of the units in that group are below the median, while those of the other half are above the median. Median contributions of households are calculated for those with contributions only.

Data quality note(s) – Canada

• Incomplete enumeration flag
  Excludes census data for one or more incompletely enumerated Indian reserves or Indian settlements.
• Short-form data quality flag
  Global non-response rate (GNR), short-form census questionnaire: 4.0%.
• Short-form income data quality flag
  Default. Data quality index showing a short-form income non-response rate lower than 10%.

Source: Statistics Canada, 2016 Census of Population, Statistics Canada Catalogue no. 98-400-X2016103.