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The deadline to receive an RRSP contribution receipt for 2019 is March 2nd, 2020. The contribution limit for 2019 is 18% of your previous year’s earned income up to $26,500. To determine if you have unused room from prior years, have a look at last year’s Notice of Assessment. Depending on your personal situation, an RRSP loan may be appropriate.


The new year also means additional contribution room for your Tax-Free Savings Account. The annual limit for 2020 is $6,000, and the total cumulative limit is $69,500. This means if you’ve never contributed to a TFSA before, you can contribute up to $69,500 in 2020. Withdrawals in a year are added back to contribution room the next calendar year.




Give us a call to discuss your options.

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