2023 RRSP Contribution Deadline: What you Should Know

You have until February 29, 2024 to contribute to your RRSP for the year 2023.

An RRSP (Registered Retirement Savings Plan) is a tax-advantaged savings plan, that can help you grow your retirement income. Any investment income earned in an RRSP is tax-deferred, until withdrawn.

While RRSPs are meant to save for retirement, you also have the option of using the funds in the plan to purchase your first home or pay for your education1.

Here are key dates to remember as the 2023 RRSP contribution deadline approaches!

RRSPs could help you meet your financial goals

Meet with us in person or over the phone and let us show you how.

When is the 2023 RRSP Contribution Deadline?

February 29, 2024 is the last day to make RRSP contributions for the 2023 tax year.

You have 60 days after the end of the year to make your RRSP contribution for the previous year. Contribution deadlines for the previous three tax years were:

  • March 1, 2023 for the 2022 tax year.
  • March 1, 2022 for the 2021 tax year.
  • March 1, 2021 for the 2020 tax year.

Thinking about contributing to an RRSP? Learn more about making RRSP Contributions.

RRSP Investment Options

You have the flexibility to hold and move money between a wide range of eligible investments in your RRSP2, including:

  1. Cash

  2. Savings account

  3. GICs

  4. Mutual Funds

  5. Government and Corporate Savings Bonds

  6. Securities listed on a designated stock exchange – including individual stocks.

  7. ETFs

Looking to get started? Find out what a RRSP is.

You may also be interested in:

See what types of RRSPs TD offers

Start saving for what’s essential to you.

Open a RRSP with TD and start saving for your retirement.


1 Subject to conditions and eligibility.

2 Subject to conditions on the type of RRSP.

Ways to apply

  • Book an appointment

    Meet a banking specialist in person at the branch closest to you.

  • Call us

    Our banking specialists are ready to answer your questions and can assist you in opening an RRSP.

    1-888-568-0951 1-888-568-0951

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