Contributing to an RRSP
March 3, 2014 is the deadline for contributing to an RRSP for the 2013 tax year.
Age limit for contributing to an RRSP
December 31 of the year you turn 71 years of age is the last day you can make a contribution to your RRSP. See RRSP options when you turn 71 if this situation applies to you.
You can contribute to an RRSP under which your spouse or common-law partner is the annuitant until the end of the year your spouse or common-law partner turns 71.
How much can I contribute and deduct?
Your RRSPs or your spousal or common-law partner RRSPs contributions and your RRSP deduction limit
Spousal or common-law partner RRSPs
Contributing to spousal or common-law partner RRSPs
Information on eligible investments which you can self-direct
A tax of 1% per month may apply to certain excess contributions
Unused RRSP contributions
How to deduct your unused RRSP contributions from preceding years
Keeping track of your RRSP contributions -Schedule 7
How to carry forward your undeducted RRSP contributions to a future year
How to claim your RRSP deduction
Information regarding line 208 of your tax return
RRSP, RDSP, HBP, and LLP
Questions and answers
Frequently asked questions about contributing to an RRSP
Canada Savings Bonds
You can transfer your holdings of past series compound-interest Canada Savings Bonds to your RRSPs or your spouse's or common-law partner's RRSPs. The amount you transfer is considered a contribution to the RRSP. For more information, contact your RRSP issuer.
Situations not considered "contributing to your RRSP"
The following situations are not considered "contributing to your RRSP" for the purpose of claiming a deduction. Find out the special rules that apply if you:
- transfer amounts to your RRSP;
- repay funds that you had withdrawn under the Home Buyer's Plan;
- repay funds that you had withdrawn under the Lifelong Learning Plan.
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