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How does a spousal RRSP work?



Our response:

A spousal RRSP is registered in the name of your spouse or common-law partner. They own the investments in the RRSP, but you can contribute to it. You get the tax deduction for any contributions made to a spousal RRSP but any contributions you make reduce your own RRSP deduction limit for the year. They won’t affect how much your spouse can contribute to their own RRSP.

Visit to learn more about RRSPs. Speak with a registered financial representative or tax professional for advice to fit your personal situation.

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