Contributing to spousal or common-law partner RRSPs

Contributions you make to a spousal or common-law partner RRSP reduce your RRSP deduction limit. See How much can I contribute? for more information.

If you cannot contribute to your RRSPs because of your age, you may be able to contribute to your spousal or common-law partner RRSP. See RRSP options when you turn 71 for more information

Funds in an RRSP cannot be moved or transferred to an RRSP that does not have the same annuitant as the RRSP where the money is coming from. For example, you cannot transfer funds in your RRSP to a spousal or common-law partner RRSP.

If you have contributed to a spousal or common-law partner RRSP, refer to How much can I deduct? for information on claiming a deduction.

If you have made a withdrawal from a spousal RRSP, refer to Withdrawing from spousal or common-law partner RRSPs for information on reporting the income.

Forms and publications

• RRSPs and Other Registered Plans for Retirement guide (T4040)
• IC72-22R9 Registered Retirement Savings Plans
• IT124R6 Contributions to Registered Retirement Savings Plan

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