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what happens if youve missed the RRSP deadline the beginning of the calendar year coincides with what some people call rrsp season this is because the deadline for any eligible rrsp contributions to count towards last years tax return is the first 60 days of the new year the reason some people scramble to beat the deadline seemingly every year is to reduce their tax bill for the previous year which may lead to a refund for example if youre in a 30-percent income tax bracket a one-thousand-dollar rrsp contribution that made it in by the deadline could generate a $300 tax savings relatively soon if you had income taxes deducted from your paycheck throughout the year you would get a tax refund check a few weeks after you file your income tax return its that tax refund that motivates many people to try and beat the deadline if you dont beat the deadline you just get your tax savings the next time you file your income tax return in other words a year later the rush to beat the deadline