Contributing to your spouse's or common-law partner's RRSPs
Contributions you make to a spousal or common-law partner RRSP reduce your RRSP deduction limit. The total amount you can deduct for contributions you make to your RRSP or your spouse's or common-law partner's RRSP cannot be more than your RRSP deduction limit. For more information, see How much can I contribute and deduct?
If you cannot contribute to your RRSP because of your age, you can still contribute to your spouse's or common-law partner's RRSP until the end of the year he or she turns 71. For more information, see RRSP options when you turn 71.
Funds in an RRSP cannot be moved or transferred to an RRSP that does not have the same annuitant as the RRSP where the money is coming from. For example, you cannot transfer funds in your RRSP to a spousal or common-law partner RRSP.
Contributions made after death
No contributions can be made to a deceased individual’s RRSP after the date of death. However, the deceased individual’s legal representative can make contributions to the surviving spouse’s or common-law partner’s RRSP in the year of death or during the first 60 days after the end of that year. Contributions made to a spouse’s or common-law partner’s RRSP can be claimed on the deceased individual’s income tax and benefit return up to that individual’s RRSP deduction limit for the year of death.
Forms and publications
Report a problem or mistake on this page
- Date modified: