An RRSP is government-registered plan that lets you defer your income tax until after you retire. Your contributions are invested and earn interest until you cash them in for retirement or other projects.
March 2, 2020
For the 2019 tax year
Contributions made in the first 60 days of the year can be claimed against the previous year's income. Go to the contribution deadline page to learn more.
Tip
Set up systematic savings and contribute throughout the year.
71
You can contribute until December 31 of the year you turn 71. Learn more about your options after retirement.
Tip
Over the age limit? Keep saving with a TFSA.
18% of the previous year's income
Contribution limit for the 2019 tax year: $26,500
Contribution limit for the 2020 tax year: $27,230
Unused contribution room can be carried forward. Visit the maximum RRSP contributions.
Tip
Keep saving tax-free with a TFSA.
Running out of time? Put your money in a Progress RRSP or an Altamira High-Interest CashPerformer®2 account now and decide how to invest it later.
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Let our expert portfolio managers take care of your savings.
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Product eligibility
Other eligible products
Non-eligible products
Mailing dates for contribution tax receipts for 2019
Description | Contribution date | Sent during the week of: |
GIC held in an RRSP National Bank |
Before December 31, 2019 | January 13, 2020 |
Between January 1 and March 2, 2020 | Every week beginning February 4, 2020 | |
RRSP investment fund National Bank Investments | Between March 1 and December 31, 2019 | January 14, 2020 |
Between January 1 and March 2, 2020 | Every week beginning February 6, 2020 | |
Contributions in the first 60 days of 2020 via the Systematic Investment Plan | March 16, 2020 |
Mailing dates for tax slips for 2019
Product | Description | Statement | Sent during the week of: |
Financing products National Bank | Quebec student loans (QSL) | Account statement | January 12 et 13, 2020 |
Mortgage loans | T5/RL-3 and NR4 | February 4, 2020 | |
National Bank deposit products | Transaction accounts | T5/RL-3 and NR4 | January 17, 2020 |
Term investments (GICs) | T5/RL-3 and NR4 | February 6, 2020 | |
RRSP (GIC) withdrawals | T4RSP/RL-2 | February 5, 2020 | |
RRIF withdrawals | T4RIF/RL-2 | February 4, 2020 | |
Investment products (investment funds) National Bank Investments |
Investment interest income | T5/RL-3 | February 19, 2020 |
Stock dividend income | T3/RL-16 | February 19, 2020 | |
RRSP withdrawals | T4RSP/RL-2 | February 5, 2020 | |
RRIF withdrawals | T4RIF/RL-2 | February 5, 2020 | |
Estate contribution statement (rollover to spouse) |
T4RSP/T4RIF - RL-2 |
February 5, 2020 | |
RESP withdrawal | T4A/RL-1 | February 5, 2020 | |
Non-resident income | NR4 | February 19, 2020 | |
Statement of Securities Transactions | T5008/RL-18 | February 19, 2020 |
2019 information guide on tax slips
Find out more about the various tax slips in our guide:
Progress RRSP
For information on the procedure for submitting claims regarding RRSP product fees, click here.
Save for your children's education and receive up to $12,800 in government grants.
Speak with a retirement savings specialist or contribute to a plan online