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Home Is there an age limit for making RRSP contributions?

Is there an age limit for making RRSP contributions?

To contribute to an individual RRSP you must be 71 years of age or younger. However you are permitted to be over 71 years of age and contribute to a Spousal RRSP providing the spouse annuitant is 71 years of age or younger.

Related Questions

  • What income is included in the calculation of my allowable RRSP contributions?
  • What income does not qualify as Eligible Earned Income?
  • How is my RRSP contribution amount calculated?
  • What is a Pension Adjustment (PA) and why is it deducted from my allowable RRSP contribution room?
  • If I leave my current employer and my pension benefit is less than the Pension Adjustments (PAs), do I get my RRSP contribution room back?
  • What is a Past Service Pension Adjustment (PSPA)?
  • What is the maximum I can contribute to my Individual and Spousal RRSPs?
  • What are the deadlines for making contributions and claiming them on my income tax return?
  • Do I need to deduct all of my RRSP contributions in the tax year they were made?
  • I think I have over-contributed to my RRSPs. What can I do?
  • Do my RRSP contributions need to be made with cash?
  • Can a deceased person’s estate contribute to the deceased’s RRSP if they still have allowable RRSP contribution room available?
  • I currently have allowable RRSP contribution room that I will never be able to use. Can I gift or transfer it to another person?

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