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Can investment earnings inside an RRSP be applied as RRSP contributions?



Our response:

No, earnings on investments inside a Registered Retirement Savings Plan (RRSP) cannot be counted towards contributions. New RRSP contributions are tax-deductible, and the earnings on investments inside your RRSP are not taxed until you make a withdrawal. Learn more about RRSPs and making RRSP contributions.

While we try to provide general information to help you get started, we are not able to provide advice. Speak to a registered financial advisor or tax professional to learn about how your RRSP contributions.

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