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 2020 tax year

The contribution deadline is March 1, 2021. If you make contributions after this date, you will have to claim them as deductions on your 2021 tax return.

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Quick tip

Find out more about the various tax slips in our Tax and Investment Guide 2020 (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, 2020  Beginning January 15, 2021
 Between January 1 and March 1, 2021  Every week beginning February 12, 2021
 RRSP (NBI Funds)  Between March 3 and December 31, 2020  January 15, 2021
 Between January 1 and March 1, 2021  Every week beginning February 5, 2021
 Contributions in the first 60 days of 2021 via the Systematic Investment Plan  March 16, 2021

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, 2021
 Transaction account
 (e.g., savings account)
 T5/RL-3 and NR4  January 22, 2021
 Guaranteed Investment Certificate (GIC)  T5/RL-3 and NR4  From February 1, 2021
 RRSP withdrawal (GIC)  T4RSP/RL-2  February 3, 2021
 RRSP withdrawal (NBI Funds)  T4RSP/RL-2  February 3, 2021
 RRIF withdrawal (GIC)  T4RIF/RL-2  February 12, 2021
 RRIF withdrawal (NBI Funds)  T4RIF/RL-2  February 3, 2021
 RESP withdrawal (NBI Funds)  T4A/RL-1  February 3, 2021
 Investment interest income (NBI Funds)  T5/RL-3  February 19, 2021
 Stock dividend income (NBI Funds)  T3/RL-16  February 19, 2021
 Estate contribution statement (rollover to spouse) (NBI Funds)  T4RSP or T4RIF/RL-2  January 15, 2021
 Non-resident income (NBI Funds)  NR4  February 19, 2021
 Statement of Securities Transactions (NBI Funds)  T5008/RL-18  February 19, 2021

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.

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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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