Can a deceased person’s estate contribute to the deceased’s RRSP if they still have allowable RRSP contribution room available?

No, the deceased’s legal representative cannot make contributions to the deceased’s RRSP plans. But the legal representative can make contributions to a Spousal RRSP or to the RRSP of the surviving spouse or common-law partner in the year of death or during the first 60 days after the end of the year. The contributions cannot exceed the deceased’s allowable contribution limit and the contributions are deducted from the deceased’s taxable income for the year of their death.

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