Why sign in to the Community?

  • Submit a question
  • Check your notifications
or and start working on your taxes
CanadaEnglishEN

Pick a language

CanadaFrançais United States of AmericaEnglish
cancel
Showing results for 
Search instead for 
Did you mean: 
TurboTax Support
Intuit

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 didn't apply it as a deduction to reduce your taxable income (or designate your contribution as a Home Buyers' Plan or Lifelong Learning Plan 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're entitled to contribute and deduct, minus the amount that you actually deduct.

Select the applicable option below for instructions on how to claim unused RRSP contributions made in previous years.

  1. Select Find (or the magnifying glass icon) from the menu.
  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's 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 isn't 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. Select Find (or the magnifying glass icon) from the menu.
  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 2019 limit.
  5. Answer No to Is your RRSP/PRPP deduction limit for 2019 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'd like to carry forward and deduct in a future tax year, and then select Continue.

Related information:

I have filed my tax return. Can I still make changes?

Where can I find out how much room I have to contribute to my RRSP this year?

How do I change the RRSP carry-forward amount?

Why aren't my RRSP contributions appearing on my tax return?

When is the RRSP deadline?

Was this helpful?

You must sign in to vote, reply, or post
Intuit TurboTax - Finish filing and get your maximum refund, guaranteed.

Returning? Sign in
v