RRSP contribution deadline

What you need to know to contribute in time

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In brief

When should I contribute to my RRSP?

You can contribute to your RRSP at any point during the year, plus the first 60 days of the following year. Contributions you make in January and February are deducted from your previous year’s income.

For the 2022 tax year

The contribution deadline is March 1, 2023. If you make contributions after this date, you will have to claim them as deductions on your 2023 tax return.

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Quick tip

Find out more about the various tax slips in our Tax and Investment Guide 2021 (Canada except Quebec version and Quebec version).


Some more important dates: receipts and tax slips

When are RRSP contribution receipts mailed?

Investment type Contribution date Mailed by National Bank during the week of:1
 RRSP (GIC)  Before December 31, 2021  Beginning February 9, 2022
 Between January 1 and March 1, 2022  Every week beginning February 14, 2022
 RRSP (NBI Funds)  Between March 2 and April 1, 2021*  February 9, 2022
 Between April 2 and December 31, 2021  February 9, 2022
 From January 1 to March 1, 2022  Every week beginning February 14, 2022

When are tax slips mailed?

Product/investment type Slip/receipt Mailed by National Bank during the week of:1
 Quebec student loan  Account statement  2nd week of January
 Mortgage loan (tax accounts)  T5/RL-3 and NR4  February 2, 2022
 Transaction account
 (e.g., savings account)
 T5/RL-3 and NR4  January 21, 2022
 Guaranteed Investment Certificate (GIC)  T5/RL-3 and NR4  From February 16, 2022
 RRSP withdrawal (GIC)  T4RSP/RL-2  From February 14, 2022
 RRSP withdrawal (NBI Funds)  T4RSP/RL-2  February 14, 2022 | February 3, 2022
 RRIF withdrawal (GIC)  T4RIF/RL-2  February 14, 2022
 RRIF withdrawal (NBI Funds)  T4RIF/RL-2  February 14, 2022 | February 3, 2022
 RESP withdrawal (NBI Funds)  T4A/RL-1  February 14, 2022 | February 3, 2022
 Investment interest income (NBI Funds)  T5/RL-3  February 16, 2022 | February 28, 2022
 Stock dividend income (NBI Funds)  T3/RL-16  February 18, 2022
 Estate contribution statement (rollover to spouse) (NBI Funds)  T4RSP or T4RIF/RL-2  February 9, 2022
 Non-resident income (NBI Funds)  NR4  March 2, 2022 | February 18, 2022
 Statement of Securities Transactions (NBI Funds)  T5008/RL-18  February 22, 2022 | February 18, 2022

If you're missing a document you need to file your tax return, call 1-888-835-6281 or visit your branch to request a copy.

Ready to start? Contribute online or meet with an advisor to find the investment that’s right for you.

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Tip

Use systematic savings to contribute to your RRSP throughout the year. It’s the easiest way to save!

Little details that matter

Any amounts withdrawn from an RRSP through the Home Buyers’ Plan (HBP) 2 must be used to buy or build a home before October 1 of the year following the withdrawal year.

For the Lifelong Learning Plan (LLP) 2, the student must register for a program of study before March of the year following the withdrawal year.

  1. Dates are subject to change.
  2. Certain conditions and restrictions apply to participation in the Home Buyers’ Plan and Lifelong Learning Plan. For more information, visit the Canada Revenue Agency’s pages about the HBP and LLP or speak with your National Bank advisor.

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8 a.m. to 6 p.m. (ET)
Friday, 8 a.m. to 5 p.m. (ET)

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