RRSP contribution deadline

What you need to know to contribute in time

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 2018 tax year

The contribution deadline is March 1, 2019. If you make contributions after this date, you will have to claim them as deductions on your 2019 tax return.

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, 2018	January 14, 2019
RRSP (GIC)	Between January 1 and March 1, 2019	Every week beginning February 5, 2019
RRSP (NBI Funds)	Between March 1 and December 31, 2018	January 15, 2019
	Between January 1 and March 1, 2019	Every week beginning February 6, 2019
	Contributions in the first 60 days of 2019 via the Systematic Investment Plan	March 14, 2019

When are tax slips mailed?

Product/investment type	Slip/receipt	Mailed by National Bank during the week of:¹
Quebec student loan	Account statement	January 7 and 8, 2019
Mortgage loan (tax accounts)	T5/RL-3 and NR4	January 14, 2019
Transaction account (e.g., savings account)	T5/RL-3 and NR4	January 17, 2019
Guaranteed Investment Certificate (GIC)	T5/RL-3 and NR4	January 31, 2019
RRSP withdrawal (GIC)	T4RSP/RL-2	February 5, 2019
RRSP withdrawal (NBI Funds)	T4RSP/RL-2	February 4, 2019
RRIF withdrawal (GIC)	T4RSP/RL-2	February 8, 2019
RRIF withdrawal (NBI Funds)	T4RSP/RL-2	February 4, 2019
RESP withdrawal (NBI Funds)	T4A/RL-1	February 4, 2019
Investment interest income (NBI Funds)	T5/RL-3	February 19, 2019
Stock dividend income (NBI Funds)	T3/RL-16	February 19, 2019
Estate contribution statement (rollover to spouse) (NBI Funds)	T4RSP or T4RIF/RL-2	February 4, 2019
Non-resident income (NBI Funds)	NR4	February 19, 2019
Statement of Securities Transactions (NBI Funds)	T5008/RL-18	February 19, 2019

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

HBP and LLP deadlines

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.

Legal disclaimers

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.