ARTICLE · 15 JANUARY 2026

RRSP Season: 8 Short Weeks To Lower Your Income

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Every season is the right time to save for retirement, but only one season makes those savings matter now. Between New Year's Day and March 2...

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Every season is the right time to save for retirement, but only one season makes those savings matter now. Between New Year's Day and March 2, every RRSP contribution still counts toward last year's income—which makes these eight weeks feel a little more urgent than the rest.

It sounds odd: aiming to lower your income.

But lowering your taxable income by contributing to an RRSP can help you keep (and invest) more of what you earn.

A VERY TAXING SITUATION

Registered Retirement Savings Plans (RRSPs) come with two built-in benefits. The big one is simple: they help you save for your future self.

The retired you who travels, swims, guest-lectures, and spends gentle afternoons re-reading Infinite Jest. That's the long game.

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