Guides › RRSP Deadline 2027 in Canada: Key Dates to Know
RRSP Deadline 2027 in Canada: Key Dates to Know
General information only. Not financial, tax or investment advice. This site is independent and is not the Canada Revenue Agency (CRA). Check canada.ca and your CRA My Account for your own figures. Last checked against CRA pages: October 17, 2026. Examples use made-up numbers. No advertising or affiliate links appear on this page.
Date status: CRA pages we could read on October 17, 2026 still show the 2025-tax-year deadline (March 2, 2026). The March 1, 2027 deadline for the 2026 tax year is our own calculation (the 60th day of 2027), not yet confirmed by a CRA page. Re-check canada.ca on or after January 1, 2027.
Short answer: RRSP contributions made in 2026 and in the first 60 days of 2027 can generally be claimed on your 2026 return. Counting 60 days from January 1, 2027 gives Monday, March 1, 2027 (our calculation; January has 31 days and February 2027 has 28). CRA has not yet published that date on the pages we read.
What CRA pages say today
- The CRA RRSP dates page says March 2, 2026 was the deadline to contribute for the 2025 tax year. That was a Monday because March 1, 2026 fell on a Sunday.
- The CRA deduction-limit page says contributions made from March 4, 2025 to March 2, 2026 qualify for the 2025 return.
- By the same logic, contributions from March 3, 2026 to March 1, 2027 would be expected to qualify for the 2026 return. Treat this as unconfirmed until CRA publishes it.
Other dates (2025-tax-year versions on CRA pages; 2026-year dates unconfirmed)
| Item | CRA page (2025 year) | Expected for 2026 year |
|---|---|---|
| RRSP contribution deadline | March 2, 2026 | March 1, 2027 (unconfirmed) |
| Filing deadline | April 30, 2026 | April 30, 2027 (unconfirmed) |
| Filing, self-employed | June 15, 2026 | June 15, 2027 (unconfirmed) |
| Payment of balance owing | April 30, 2026 | April 30, 2027 (unconfirmed) |
| T1-OVP (excess contributions) file and pay | "on or before March 31" | March 31, 2027 (unconfirmed) |
If you or your spouse or common-law partner is self-employed, CRA says the filing date is June 15 but the balance is still due April 30.
FHSA is different
For the FHSA, CRA's dates page says that for an account opened in 2025 you can claim contributions made by December 31, 2025 on your 2025 return. There is no 60-day grace period shown. So the expected FHSA cut-off for the 2026 deduction is December 31, 2026. See RRSP vs TFSA vs FHSA.
Other RRSP dates from CRA
- December 31 of the year you turn 71 is the last day you can contribute to your own RRSP.
- Home Buyers' Plan: buy or build the qualifying home before October 1 of the year after the year of withdrawal.
Handy next steps
- Find your limit: where to find your RRSP deduction limit.
- Understand the dollar limit: RRSP limits for 2026 and 2027.
FAQ
If the 60th day falls on a weekend? It did in 2026 (Sunday), so the deadline moved to Monday, March 2. In 2027 the 60th day is a Monday.
Does my financial institution have an earlier cut-off? Possibly for processing; check with them.
What we could not verify
- CRA's published 2026-tax-year RRSP deadline (check canada.ca from January 1, 2027).
- 2026-tax-year filing, payment and T1-OVP dates.
Sources (official)
- CRA, Important dates for RRSPs, HBP, LLP, FHSAs and more — https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/important-dates-rrsp-rrif-rdsp.html (read October 17, 2026; shows March 2, 2026 for the 2025 tax year)
- CRA, How contributions affect your RRSP deduction limit — https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/contributing-a-rrsp-prpp/contributions-affect-your-rrsp-prpp-deduction-limit.html (read October 17, 2026; figures shown are for 2025)
- CRA, Due dates and payment dates (personal income tax) — https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/important-dates-individuals.html (read October 17, 2026; shows 2025-tax-year dates)
- CRA, Excess Contributions — https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/contributing-a-rrsp-prpp/what-happens-you-over-your-rrsp-prpp-deduction-limit.html (read October 17, 2026; figures shown are for 2025)
RRSP deadline planner → Dates calendar →
Not tax or financial advice. See the disclosure.