# RRSP Deduction/ Unused Contributions

**URL:** <https://www.protaxcommunity.com/t/rrsp-deduction-unused-contributions/11723>\
**Category:** Tax Topics\
**Created:** [January 13, 2026, 1:09am UTC](https://www.protaxcommunity.com/t/rrsp-deduction-unused-contributions/11723 "2026-01-13T01:09:59Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![johnandkoko](https://avatars.discourse-cdn.com/v4/letter/j/cab0a1/32.png) [@johnandkoko](https://www.protaxcommunity.com/u/johnandkoko)\
**Post date:** [January 13, 2026, 1:09am UTC](https://www.protaxcommunity.com/t/rrsp-deduction-unused-contributions/11723/1 "2026-01-13T01:09:59Z")

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I have a person who is retired, drawing from a long established RRIF, whose CRA statement shows a possible 2025 RRSP deduction of a few hundred dollars and Unused RRSP contribution room of just over a $1000. How is this to be handled prior to completing his tax return for 2025?

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**Author:** ![SmallBizGuy](https://avatars.discourse-cdn.com/v4/letter/s/74df32/32.png) [@SmallBizGuy](https://www.protaxcommunity.com/u/SmallBizGuy)\
**Post date:** [January 14, 2026, 8:35pm UTC](https://www.protaxcommunity.com/t/rrsp-deduction-unused-contributions/11723/2 "2026-01-14T20:35:31Z")

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“Retired” doesn’t matter….age does..and my assumption is that the retiree is \> 72. If the t/p has a spouse who is \<72, the t/p can still contribute to the amount of the contribution room into a spousal plan.

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**Author:** ![BertMulderCGA](https://sea2.discourse-cdn.com/flex016/user_avatar/www.protaxcommunity.com/bertmuldercga/32/42_2.png) [@BertMulderCGA](https://www.protaxcommunity.com/u/BertMulderCGA)\
**Post date:** [January 14, 2026, 9:35pm UTC](https://www.protaxcommunity.com/t/rrsp-deduction-unused-contributions/11723/3 "2026-01-14T21:35:22Z")

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If you are saying he has unused contributions, you will wish to deduct those, also considering he has RRSP contribution room