{"id":77793,"date":"2025-01-04T15:05:34","date_gmt":"2025-01-04T20:05:34","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=77793"},"modified":"2025-01-16T13:15:25","modified_gmt":"2025-01-16T18:15:25","slug":"when-is-the-fhsa-contribution-deadline","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/when-is-the-fhsa-contribution-deadline\/","title":{"rendered":"When is the FHSA Contribution Deadline?"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/question-of-the-week\/\">\n\t\t\t\t\t\t\t<span>Question of the Week<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">When is the FHSA Contribution Deadline?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By The Inspired Investor team<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Hand dropping coins into a piggy bank shaped as a house.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg 6401w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/FHSA-contribution-deadline-shutterstock_2450078113.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=When is the FHSA Contribution Deadline? &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/when-is-the-fhsa-contribution-deadline\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/when-is-the-fhsa-contribution-deadline\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published January 4, 2025 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>As we approach the end of the year, there\u2019s a new deadline to keep in mind for your tax and investment planning: FHSA contributions. The First Home Savings Account (FHSA) offers another great opportunity for Canadians to save and invest with tax advantages.<strong><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The deadline<\/h2>\n\n\n\n<p>The annual contribution period for the FHSA is January 1<sup>st<\/sup>&nbsp;to December 31<sup>st<\/sup>. This means that you must contribute before December 31<sup>st<\/sup>&nbsp;to have your contribution amount deducted from your taxable income for 2024. Note that this is different from the deadline for your Registered Retirement Savings Plan (RRSP). Unlike RRSPs, any contributions you make to an FHSA in the first 60 days of the year&nbsp;<em>can\u2019t<\/em>&nbsp;be deducted from the previous year\u2019s income.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Get to know the FHSA<\/h2>\n\n\n\n<p>Now that the deadline is on your radar, let\u2019s review the basics of the account. Launched in April 2023, the newest registered plan is designed to help more people get into the housing market. It allows eligible Canadian investors to deposit up to $40,000 over a 15-year period. From a tax perspective, it combines the advantages of two existing registered plans \u2014 the registered retirement savings plan (RRSP) and the tax-free savings account (TFSA). Like an RRSP, contributions to an FHSA can be used to reduce your taxable income. Like a TFSA, if you are making a qualifying withdrawal, you won\u2019t pay tax on that withdrawal (including the principal amount and any potential investment growth).<\/p>\n\n\n\n<p>You can contribute up to $8,000 per year to an FHSA, up to a lifetime maximum of $40,000. Unused room can be carried over to the next year (to a maximum of $8,000). Remember, the carry-forward amounts start accumulating only after you open the account. You can open multiple FHSAs, but the annual and lifetime contribution limits apply to the combined accounts, so be careful with your contributions. There is a one-per-cent tax applied to over-contributions for each month the excess amount stays in the account.<\/p>\n\n\n\n<p>You have 15 years to save within an FHSA. If you decide not to buy a home during that time, you can transfer the money you\u2019ve saved (and any investment income earned) directly to an RRSP or a RRIF without penalty or tax at the time of transfer. Keep in mind that funds transferred from an FHSA to an RRSP or RRIF account may be taxable when withdrawn.<\/p>\n\n\n\n<p>To get more details about the benefits of the FHSA, read&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/smart-saving\/fhsa-9-questions-answered-about-the-new-first-home-savings-account\/\" data-dig-id=\"LP-77793-9fd54641\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"9 Questions Answered About the New First Home Savings Account\" class=\"rbc-link-format\">9 Questions Answered About the New First Home Savings Account<\/a>&nbsp;or watch the video below.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"FHSA Explained in 2 Minutes\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/C6mTmsrSD40?feature=oembed&#038;rel=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-grey section-inner  mar-b-hlf mob-mar-b-hlf has-eaeaea-background-color has-background\" style=\"border-radius:0x\">\n<div class=\"wp-block-group is-horizontal is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-e0598304 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-80\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-learn-more.svg\" alt=\"icons\/icon-learn-more\" \/><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading mar-t-qtr mar-r mob-mar-r mar-l mob-mar-l\">Save for your first home, tax-free<\/h2>\n<\/div>\n\n\n\n<p class=\"pad-l-dbl mar-t-qtr mar-l-dbl\">The new First Home Savings Account is here<\/p>\n\n\n\n<p class=\"mar-l-dbl pad-l-dbl\"><a href=\"https:\/\/www.rbcroyalbank.com\/investments\/fhsa.html\" data-dig-id=\"LP-58003-b5ada78a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse98094514\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse98094514\" data-dig-id=\"LP-77793-98094514\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Disclaimers\"><div>Disclaimers<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse98094514\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Royal Bank of Canada, Royal Mutual Funds Inc. (RMFI), RBC Direct Investing Inc. (RBC Direct Investing), and RBC InvestEase Inc. (RBC InvestEase) are separate corporate entities which are af\ufb01liated. First Home Savings Accounts are offered by RBC Direct Investing and RBC InvestEase. RBC Direct Investing is an order execution only registered investment dealer and a member of the Canadian Investment Regulatory Organization.\u00a0 RBC Direct Investing does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC InvestEase provides discretionary investment management services and is registered as a restricted portfolio manager with the securities regulatory authorities in all provinces and territories in Canada. RMFI and Royal Bank of Canada do not provide First Home Savings Accounts. RMFI, RBC Direct Investing and RBC InvestEase are wholly-owned subsidiaries of Royal Bank of Canada. \u00ae \/ \u2122 Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Used under licence \u00a9 Royal Bank of Canada 2024.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-bbd2a5ac-9c81-4d07-9209-a1a7d0558268\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=When is the FHSA Contribution Deadline? &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/when-is-the-fhsa-contribution-deadline\/\">\n        <img decoding=\"async\" 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id-a3778d86-1ff8-4f40-893b-2a8eaaa86571\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/finding-home\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Finding Home<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/question-of-the-week\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Question of the Week<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div 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src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Digital form checklist\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg 6736w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=300,197 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=768,505 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1024,673 1024w, 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