Personal Finance

Rrsp contribution room for non working spouse

  • Last Updated:
  • Nov 9th, 2018 9:02 pm
Penalty Box
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Aug 11, 2005
3869 posts

Rrsp contribution room for non working spouse

My spouse doesn’t work but still has some contribution room from years ago. Is there anything it can be used for?

She doesn’t have any income but will be withdrawing some money from the spousal rrsp I contributed after the 3 year attribution period has passed.

Any way to take advantage of the contribution room?
google NotDoug
1 reply
Deal Addict
Jan 2, 2015
1297 posts
Toronto, ON
Only if she will earn (self)-employment money later. She could contribute now and simply not deduct until later.

If she will not earn money later, she needs to use a TFSA.


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