What is the difference between RRSP deduction limit and unused RRSP contributions?
by: Better Tax
RRSP deduction limit:
- This is the maximum deduction you can claim for 2025. It is based on your earned income in prior years.
- Normally these are $0—these are any amounts you actually contributed in a prior tax year, but have not yet deducted on a tax return.
- Do not change the amount the CRA sent us via Auto-fill My Return.
- The CRA sends us these amounts via Auto-fill My Return. If you aren't sure if these are correct please delete them and run (or re-run) Auto-fill My Return.
- If you don't have a CRA account, please find them on last year's NOA in your RRSP deduction limit and available contribution room statement. These amounts are the second- and third-last lines of the "Your 2025 RRSP deduction limit" table.
Last updated: