Important note: Unused RRSP contributions are not the same as your RRSP contribution room.
One of the most reliable ways to check your unused RRSP contributions is to log in or register for an online account with the Canadian Revenue Agency. Alternatively, you can also check your latest notice of assessment. If you've never contributed to an RRSP or always maximize your deduction, this number is likely zero.
Here are step by step instructions to guide you:
- Go to the CRA My Account Login.
- Log in with your preferred method. If you've set up your bank as a sign-in partner, this is the simplest way to access your CRA account.
- Under the tabbed header, navigate to RRSP and TFSA.
- Click RRSP.
- Highlighted below is your unused RRSP contributions.
To learn more about RRSPs click here to view the CRA's webpage on RRSPs.