Does an RRSP contribution in January count for last year?
It can: a contribution made by 1 Mar 2027 can be deducted on your 2026 return, or kept for a later year.
Counts for last year until
1 Mar 2027
See how
For your 2026 return1 Mar 2027
The date is the sixtieth day of the year, moved to the next business day when it falls on a weekend. CRA confirms it each year.
A contribution made in those days can count against last year’s limit or this year’s, and you say which on your return. Counting it for the wrong year is a common cause of an RRSP excess.
Contribution Room asks, for each RRSP contribution in those days, which year it counts for.
Sources
Checked against the CRA’s pages on .