The deadline to make RRSP contributions you can deduct on your 2026 tax return is Monday, March 1, 2027. Anything you contribute between January 1 and March 1, 2027 can be claimed on either your 2026 or 2027 return.
Upcoming deadlines
| Tax year | RRSP deadline |
|---|---|
| 2025 | March 2, 2026 (passed) |
| 2026 | March 1, 2027 |
| 2027 | February 29, 2028 |
The first-60-days rule
The deadline is the 60th day of the following year. When that falls on a weekend, it moves to the next business day, which is why it was March 2 in 2026. In a leap year like 2028, the 60th day is February 29.
Last-minute tips
- Don't leave it to the final day. Contributions must be received by your financial institution by the deadline; transfers and cheques can take time.
- Check your limit first in CRA My Account to avoid an over-contribution.
- Contribute now, deduct later if you expect a higher income next year.
- Spousal RRSP contributions follow the same deadline.
The 90-day rule. If you plan to use the Home Buyers' Plan, contributions must stay in the RRSP for at least 90 days before you withdraw them, or they won't be deductible.
Frequently asked questions
When is the RRSP deadline for 2026?
March 1, 2027.
Can I contribute to my RRSP after the deadline?
Yes, but it counts for the current year, not the previous one.
Is the RRSP deadline the same as the tax filing deadline?
No. The RRSP deadline is around March 1; the tax filing deadline for most people is April 30.
Sources
- Canada Revenue Agency, Contributing to your RRSP