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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 2017 tax year

The contribution deadline is March 1, 2018. If you make contributions after this date, you will have to claim them as deductions on your 2018 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, 2017  January 11, 2018
 Between January 1 and February 28, 2018  Every week beginning February 15, 2018
 RRSP (NBI Funds)  Before December 31, 2017  January 16, 2018
 Between January 1 and February 28, 2018  Every week beginning January 7, 2018
 Pre-authorized contributions in the first 60 days  March 13, 2018

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 3–5, 2018
 Mortgage loan (tax accounts)  T5/RL-3 and NR4  February 1, 2018
 Transaction account
 (e.g., savings account)
 T5/RL-3 and NR4  January 20, 2018
 Guaranteed Investment Certificate (GIC)  T5/RL-3 and NR4  February 8, 2018
 RRSP withdrawal (GIC)  T4RSP/RL-2  February 8, 2018
 RRSP withdrawal (NBI Funds)  T4RSP/RL-2  February 2, 2018
 RRIF withdrawal (GIC)  T4RSP/RL-2  February 13, 2018
 RRIF withdrawal (NBI Funds)  T4RSP/RL-2  February 2, 2018
 RESP withdrawal  T4A/RL-1  February 2, 2018
 Investment interest income  T5/RL-3  February 19, 2018
 Stock dividend income  T3/RL-16  February 19, 2018
 Estate contribution statement (rollover to spouse)  T4RSP or T4RIF/RL-2  February 2, 2018
 Non-resident income  NR4  February 19, 2018

If you're missing a document you need to file your tax return, call 1-888-483-5628 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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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Any amounts withdrawn from an RRSP through the Home Buyers’ Plan (HBP)2 must be used to buy or build a home before October 1 of the year following the withdrawal year.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.

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