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Taxes
Savings and pension plans
RRSPs and related plans

RRSP options when you turn 71

December 31 of the year you turn 71 years old is the last day that you can contribute to your RRSPs.

Topics

Options for your own RRSPs
Spousal RRSPs or common-law partner RRSPs
If you participated in the Lifelong Learning Plan (LLP)
The Home Buyer's Plan (HBP) participant reaches the age of 71
What to do with unused RRSP, PRPP or SPP contributions
Registered Retirement Income Fund (RRIF)

Forms and publications

Changes to your taxes when you retire or turn 65 years old
Guide RC4112, Lifelong Learning Plan (LLP)
Guide T4040, RRSPs and Other Registered Plans for Retirement

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Date modified:: 2020-01-13

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