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.
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.
Find out more about the various tax slips in our Tax and Investment Guide 2021 (Canada except Quebec version and Quebec version).
| 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 |
| 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.
Use systematic savings to contribute to your RRSP throughout the year. It’s the easiest way to save!
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.
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