RRSP contribution deadline

What you need to know to contribute in time

In brief

When should I contribute to my RRSP?

You can contribute to your RRSP at any point during the year, plus the first 60 days of the following year. Contributions you make in January and February are deducted from your previous year’s income.

For the 2024 tax year

The contribution deadline is March 3rd, 2025. If you make contributions after this date, you will have to claim them as deductions on your 2025 tax return.

Ready to start? Contribute online or meet with an advisor to find the investment that’s right for you.

Make an appointment

Tip

Use systematic savings to contribute to your RRSP throughout the year. It’s the easiest way to save!

Little details that matter

Any amounts withdrawn from an RRSP through the Home Buyers’ Plan (HBP)² must be used to buy or build a home before October 1 of the year following the withdrawal year.

For the Lifelong Learning Plan (LLP)², the student must register for a program of study before March of the year following the withdrawal year.

Find the mailing dates for the 2023 tax season in our Help center

Dates are subject to change.
Certain conditions and restrictions apply to participation in the Home Buyers’ Plan and Lifelong Learning Plan. For more information, visit the Canada Revenue Agency’s pages about the HBP and LLP or speak with your National Bank advisor.