MAKING RRSP CONTRIBUTIONS
Your RRSP contributions are tax deductible. That means you can claim them as a tax deduction when you file your income tax return- and lower the tax you pay. There are limits on how much you can contribute each year to your own RRSP and potentially your spouse’s RRSP. Your total contribution room for the year is the lower of the following:
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Example – Your contribution room was $15,000 in 2018 but you didn’t make an RRSP contribution. You carry this forward to 2019. If your 2019 contribution room is $26,500 (the maximum amount) you can make total RRSP contributions of $41,500 ($15,000 + $26,500) in 2019.
Unused RRSP contributions You don’t have to deduct an RRSP contribution on your tax return in the same year you make the contribution. You can wait and deduct it in a future year. You may choose to do this if you think your income will be higher in the future, moving you up to a higher tax bracket. This is called having unused RRSP contributions. Contact your advisor to learn more about how it works.
What happens if you over-contribute? In general, you must pay a tax if your unused RRSP contributions from prior years and your current contributions exceed the RRSP deduction limit shown on your latest Notice of Assessment by more than $2,000. The tax is 1% per month on the excess amount. Contact your advisor to learn more about excess RRSP contributions.
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