Why sign in to the Community?

  • Submit a question
  • Check your notifications
Sign in to the Community or Sign in to TurboTax and start working on your taxes
Returning Member
posted Oct 31, 2019 1:56:35 AM

I had over contribute to my rrsp- rbc contribution came after my first 60 day rrsp contribution for 2018. where to place the over amount on the turbotax file?

0 1 898
1 Best answer
Level 15
Oct 31, 2019 1:56:36 AM

You'll need to report the entire amount of your RRSP Contribution on your tax return, and TurboTax will automatically carry forward the amount in excess of your contribution limit to the following year. The Canada Revenue Agency allows you to overcontribute to your RRSP's one time in the amount of $2,000 without there being a penalty.  If you overcontributed in the First 60 Days, you still need to report the contribution on this year's tax return, you can claim the overcontribution on your income tax return next year. 

If your overcontribution exceeds the $2,000, (or you have previously overcontributed $2,000 or more), you may be required to pay the 1% tax per month on the excess contributions, or you can choose to withdraw the excess. 

Here's some information from CRA on what happen's if you exceed your contribution limit: https://bit.ly/2HWYMU3

1 Replies
Level 15
Oct 31, 2019 1:56:36 AM

You'll need to report the entire amount of your RRSP Contribution on your tax return, and TurboTax will automatically carry forward the amount in excess of your contribution limit to the following year. The Canada Revenue Agency allows you to overcontribute to your RRSP's one time in the amount of $2,000 without there being a penalty.  If you overcontributed in the First 60 Days, you still need to report the contribution on this year's tax return, you can claim the overcontribution on your income tax return next year. 

If your overcontribution exceeds the $2,000, (or you have previously overcontributed $2,000 or more), you may be required to pay the 1% tax per month on the excess contributions, or you can choose to withdraw the excess. 

Here's some information from CRA on what happen's if you exceed your contribution limit: https://bit.ly/2HWYMU3