A contributor to a Spousal RRSP can contribute any amount that they could have contributed to their own RRSP plan as determined under their personal contribution limit. The Canada Revenue Agency (CRA) calculates the maximum RRSP contribution limit for each individual, and that individual can allocate their contributions as they see fit. They can contribute to their Individual RRSP, a Spousal RRSP, or both, as long as their total contributions do not exceed their calculated maximum contribution amount. At the end of the calendar year, you will receive contribution receipts for all Individual and Spousal contributions made during the year, which are then recorded when filing your individual income tax return.

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