As per our TurboTax article RRSPs and Your Tax Return: The Bottom Line you can contribute to a personal RRSP or a spousal/common-law partner RRSP. The amount you can contribute to her/his plans depends on your own contribution room, not your spousal’s. In other words, it doesn’t matter if your spouse has a higher or lower contribution room, it will not be affected if the contribution came from you.
Whether you contribute to your own or to a spousal RRSP, they both affect your contribution room.
Thank you for choosing TurboTax.
