{"id":412024,"date":"2024-10-16T10:15:00","date_gmt":"2024-10-16T14:15:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=412024"},"modified":"2026-01-27T14:20:38","modified_gmt":"2026-01-27T19:20:38","slug":"rrsp-contribution-deadline-2024","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/rrsp-contribution-deadline-2024\/","title":{"rendered":"RRSP Deadline in 2024: When Can You Contribute?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>If you haven&#8217;t yet contributed to your <strong>RRSP in 2024<\/strong>, it&#8217;s not too late. You can contribute up to the first 60 days of the following year. Thus, the RRSP contribution deadline for 2024 is March 1st, 2025. This article reiterates the importance of <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/how-to-invest-online-in-canada\/\">investing<\/a> in <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/registered-retirement-savings-plan-rrsp-101\/\">RRSPs<\/a> as part of your retirement planning. But also, your contribution room, the contribution limit determined by the Canada Revenue Agency (<a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/revenue-agency.html\">CRA<\/a>), and much more.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"191721\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Why Invest in Your RRSP Account for Retirement Planning in Canada?&#8221; css=&#8221;&#8221; el_id=&#8221;why_invest_in_your_rrsp_account_for_retirement_planning_in_canada_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The Registered Retirement Savings Plan (<a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/registered-retirement-savings-plan-rrsp-101\/\">RRSP<\/a>) is a savings plan designed specifically for financial retirement planning. First and foremost, it allows you to save tax-free. But it also allows you to reduce your taxable income and obtain a tax refund. Each year, you can contribute a maximum amount to your RRSP, based on your contribution room. The <strong>RRSP contribution deadline for 2024<\/strong> is March 1st, 2025.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>There are many advantages to using <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/registered-retirement-savings-plan-rrsp-101\/\">RRSPs<\/a> for retirement savings, including:<\/p>\n<ul>\n<li>Defer tax on disbursement (tax-sheltered investment growth)<\/li>\n<li>Obtain a tax refund (tax-deductible contributions)<\/li>\n<li>Defer tax deductions &#8211; if necessary<\/li>\n<li>Invest in stocks, bonds, <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/investissements\/asset-allocation-etf-where-start\/\">exchange-traded funds<\/a> (ETFs), <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/the-basics-of-mutual-funds-in-canada\/\">mutual funds<\/a>, etc.<\/li>\n<li>Withdraw tax-free amounts for Home Buyers&#8217; Plan (HBP) and Lifelong Learning Plan (LLP) &#8211; as needed<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"191721,210650,210629\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"2\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What is the Maximum RRSP Contribution for 2024?&#8221; css=&#8221;&#8221; el_id=&#8221;what_is_the_maximum_rrsp_contribution_for_2024_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Your maximum <strong>RRSP contribution for 2024<\/strong> is 18% of your previous year&#8217;s eligible income, up to the annual limit set by CRA ($31,560 in 2024). To this must be added your unused deductions from previous years. However, excess contributions (if any) and company pension plan contributions reduce your contribution room (due to the pension adjustment).<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What is the RRSP Contribution Limit for 2024?&#8221; css=&#8221;&#8221; el_id=&#8221;what_is_the_rrsp_contribution_limit_for_2024_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The annual RRSP contribution limit is determined by the Canada Revenue Agency (<a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/revenue-agency.html\">CRA<\/a>). It is increased each year. The <strong>RRSP contribution limit for 2024<\/strong> is $31,560.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Here are the contribution limits for the 5 most recent years:<\/p>\n<table>\n<thead>\n<tr>\n<td>Year<\/td>\n<td>RRSP contribution limit<\/td>\n<\/tr>\n<\/thead>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<td>2025<\/td>\n<td>$32,490<\/td>\n<\/tr>\n<tr>\n<td>2024<\/td>\n<td>$31,560<\/td>\n<\/tr>\n<tr>\n<td>2023<\/td>\n<td>$30,780<\/td>\n<\/tr>\n<tr>\n<td>2022<\/td>\n<td>$29,210<\/td>\n<\/tr>\n<tr>\n<td>2021<\/td>\n<td>$27,830<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;How Do You Know Your RRSP Contribution Room?&#8221; css=&#8221;&#8221; el_id=&#8221;how_do_you_know_your_rrsp_contribution_room_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>To find out your <strong>RRSP contribution room for 2024<\/strong>, consult your most recent Notice of Assessment. Alternatively, you can check &#8220;My Account for Individuals&#8221; on the Canada Revenue Agency (<a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/revenue-agency.html\">CRA<\/a>) website.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;When Does the RRSP Contribution Period for 2024 End?&#8221; css=&#8221;&#8221; el_id=&#8221;when_does_the_rrsp_contribution_period_for_2024_end_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">February 29th, 2024 was the deadline to contribute to your RRSP for the year 2023. For the 2024 taxation year, the deadline to contribute to your RRSP is March 1st, 2025.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;How Do I Open an RRSP?&#8221; css=&#8221;&#8221; el_id=&#8221;how_do_i_open_an_rrsp_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>You can open an <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/registered-retirement-savings-plan-rrsp-101\/\">RRSP<\/a> by making an appointment with the financial advisor at your bank, credit union, insurance company or trust company. But you may decide to open an RRSP account with a robo-advisor. The best-known are:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/go\/wealthsimple-investment-portfolio\/\">Wealthsimple managed investments<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/go\/qtrade-direct-investing\/\">Qtrade Guided Portfolios<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/go\/questrade\/\">Questwealth Portfolios<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">If you prefer to manage your investments yourself, you can open an RRSP account on an online brokerage platform:<\/p>\n<ul>\n<li><a title=\"CIBC Investor's Edge\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-investors-edge\/\">CIBC Investor&#8217;s Edge<\/a><\/li>\n<li><a title=\"Questrade\" href=\"https:\/\/milesopedia.com\/en\/go\/questrade\/\">Questrade<\/a><\/li>\n<li><a title=\"Qtrade Direct Investing\" href=\"https:\/\/milesopedia.com\/en\/go\/qtrade-direct-investing\/\">Qtrade Direct Investing<\/a><\/li>\n<li><a title=\"Wealthsimple - Investment services\" href=\"https:\/\/milesopedia.com\/en\/go\/wealthsimple-stock-trading\/\">Wealthsimple Trade<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210593,341803,402789,336193,371472\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What Investments Are Eligible for Your RRSP?&#8221; css=&#8221;&#8221; el_id=&#8221;what_investments_are_eligible_for_your_rrsp_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>An <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/registered-retirement-savings-plan-rrsp-101\/\">RRSP<\/a> is a savings plan in which you can invest:<\/p>\n<ul>\n<li>Stocks<\/li>\n<li>Bonds<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/the-basics-of-mutual-funds-in-canada\/\">Mutual Funds<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/investissements\/asset-allocation-etf-where-start\/\">Exchange-traded funds<\/a> (ETFs)<\/li>\n<li>Call and put options<\/li>\n<li>Etc.<\/li>\n<\/ul>\n<p>However, the investments you make should always respect your investor profile. If you don&#8217;t already know your profile, use a tool like the one provided by the Autorit\u00e9 des march\u00e9s financiers (<a target=\"_blank\" href=\"https:\/\/lautorite.qc.ca\/grand-public\/outils-et-calculateurs\/calculateurs\/votre-profil-dinvestisseur\">AMF<\/a>).<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210650,210629\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; css=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In short, contributing to your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/registered-retirement-savings-plan-rrsp-101\/\">RRSP<\/a> to plan your retirement is essential. If you haven&#8217;t yet contributed to your <strong>RRSP in 2024<\/strong>, it&#8217;s not too late. The RRSP contribution deadline for 2024 is March 1, 2025.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;How does an RRSP work?&#8221; css=&#8221;&#8221;]<\/p>\n<p>An RRSP is a registered plan that lets you save money tax-free. It also allows you to reduce your taxable income and obtain a tax refund. When you retire, you can withdraw funds from your RRSP (or RRIF).<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;When to contribute to your RRSP for 2024?&#8221; css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">You can contribute to your RRSP no later than the first 60 days of the following year. For example, the deadline to contribute to your RRSP for 2024 is March 1st, 2025.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is the maximum RRSP contribution per year?&#8221; css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">The maximum you can contribute to your RRSP is 18% of your previous year&#8217;s eligible earnings, up to the annual limit set by the CRA ($31,560 in 2024). To this must be added your unused contribution room from previous years.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is the maximum TFSA amount in 2024?&#8221; css=&#8221;&#8221;]<\/p>\n<p>The maximum amount you can contribute to your TFSA in 2024 is $7,000, plus your unused contribution room from previous years (if any).<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>The RRSP deadline for 2024 is approaching. Find out when to contribute to your RRSP in 2024, how to optimize your deduction, and avoid common errors. <\/p>","protected":false},"author":2488,"featured_media":412731,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48131],"tags":[],"mc_loyalty_program":[],"class_list":["post-412024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>RRSP Deadline in 2024: When Can You Contribute? 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