Withdrawing from your own RRSPs

You can withdraw amounts from your RRSP before it starts to pay you a retirement income. If your spouse or common-law partner contributed to your RRSP, see Withdrawing from spousal or common-law partner RRSPs.

You can withdraw unused contributions you made to an RRSP based on an approved Form T3012A, Tax Deduction Waiver on the Refund of Your Unused RRSP, PRPP, or SPP Contributions from your RRSP, PRPP or SPP. If you transferred the unused contributions to your RRIF, see Withdrawing the unused RRSP contributions.

See Receiving income from an RRSP if you received other types of income from your RRSPs, your spouse's RRSPs or your common-law partner's RRSPs.

Filling out your income tax and benefit return

Forms and publications

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