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How do I claim (unused) RRSP contributions I made in previous years but didn’t deduct?

Unused RRSP contributions are contributions you made to an RRSP (in a prior year) that have been carried forward. In other words, you reported the contribution on your tax return for the year in which you made the contribution but did not apply it as a deduction to reduce your taxable income (or designate your contribution as an HBP or LPP repayment).

 

 

  • Important: If you made an RRSP contribution in a prior year and it hasn’t been reported on your tax return for that year, you’ll need to file an adjustment to that return in order to eventually apply the contribution as a deduction. Here’s how to file an adjustment.

 

 

Your unused RRSP contribution amount from previous years will be on your RRSP Deduction Limit Statement, found on your latest notice of assessment. When you use CRA’s Auto-Fill My Return, TurboTax automatically downloads the contribution amount (if applicable) into your tax return for you.

 

 

 

 

 

 

Note: Unused contributions are different from unused contribution room, which is the amount you are entitled to contribute and deduct, minus the amount that you actually deduct.

 

 

 

 

  1. In the upper-right corner of your screen, select Find*.
  2. In the Find window, type “RRSP profile,” select it from the list and then select Go.
  3. Select the checkbox for “Have unused RRSP/PRPP contributions from prior years” and “Made RRSP/SPP contributions you wish to carry forward and deduct in a future year,” and then select Continue.
  4. Select Continue until you reach the “Unused RRSP/PRPP Contributions” step.
    • If there is an amount displayed and the amount is correct, answer no to the question Do you want to change this amount? and then select Continue.
    • If the amount is not correct, answer yes to the question Do you want to change this amount? and enter your amount before selecting Continue.
  5. On the “RRSP Contribution Summary” step, select Done With RRSPs.
  6. On the “RRSP/PRPP and SPP Carry Forward” step, TurboTax shows you the total value of available contributions and your deduction limit. To deduct from available contributions, enter the amount you’d like to deduct and then select Continue.

  1. In the upper-right corner of your screen, select Find*.
  2. In the Find window, type “RRSP profile,” select it from the list and then select Go.
  3. Select the checkbox for “Have unused RRSP/PRPP contributions or unused Specified Pension Plan contributions from prior years” and “Made RRSP contributions you wish to carry forward and deduct in a future year,” and then select Continue.
  4. On the “What’s your RRSP/PRPP deduction limit?” step, enter your 2018 limit.
  5. Answer no to Is your RRSP/PRPP deduction limit for 2018 zero? and then select Continue.
    • If the answer is yes, enter yes; you’ll have to wait until a tax year when your limit is greater than zero to deduct.
  6. On the “Unused RRSP/PRPP and SPP contributions” step, enter your unused RRSP/PRPP contributions and, if applicable, your undeducted SPP contributions, then select Continue.
  7. On the “RRSP/PRPP carry forward” step, enter the portion of your contributions that you would like to carry forward and deduct in a future tax year, and then select Continue.

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