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, 2022 | February 13, 2023 |
| From January 1 to March 1, 2023 | Every week from February 13, 2023 | |
| RRSP (NBI Funds) | Before December 31, 2022 | February 13, 2023 |
| From January 1 to March 1, 2023 | Every week from February 13, 2023 |
| Product/investment type | Slip/receipt | Mailed by National Bank during the week of:1 |
|---|---|---|
| Quebec student loan | Account statement | January 9, 2023 |
| Mortgage loan (tax accounts) | T5/RL-3 and NR4 | January 16, 2023 |
| Transaction account (e.g., savings account) |
T5/RL-3 and NR4 | January 25, 2023 |
| Guaranteed Investment Certificate (GIC) | T5/RL-3 and NR4 | February 13, 2023 |
| RRSP withdrawal (GIC) | T4RSP/RL-2 | February 13, 2023 |
| RRSP withdrawal (NBI Funds) | T4RSP/RL-2 | February 13, 2023 |
| RRIF withdrawal (GIC) | T4RIF/RL-2 | February 13, 2023 |
| RRIF withdrawal (NBI Funds) | T4RIF/RL-2 | February 13, 2023 |
| RESP withdrawal (NBI Funds) | T4A/RL-1 | February 13, 2023 |
| Investment interest income (NBI Funds) | T5/RL-3 | February 17, 2023 |
| Stock dividend income (NBI Funds) | T3/RL-16 | February 17, 2023 |
| Estate contribution statement (rollover to spouse) (NBI Funds) | T4RSP or T4RIF/RL-2 | February 8, 2023 |
| Non-resident income (NBI Funds) | NR4 | March 1, 2023 |
| Statement of Securities Transactions (NBI Funds) | T5008/RL-18 | February 17, 2023 |
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Any amounts withdrawn from an RRSP through the Home Buyers’ Plan (HBP) 2 must be used to buy or build a home before October 1 of the year following the withdrawal year.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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