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How do Spousal RRSPs work? A spousal RRSP allows you to contribute money to your spouse or common-law partner's registered retirement savings plan,

un007(misshome)

up to your personal contribution limit.

When a contribution is made to the spousal RRSP, the contributor receives a tax deduction.

This can help you balance your income as a couple and works best when a large disparity exists between you and your spouse's income.

By contributing to a Spousal RRSP, the higher-earning spouse receives a tax deduction that could lower their personal tax bill for the year.

On the other hand, the lower-earning spouse should get taxed at a lower marginal tax rate when the money is withdrawn from the Spousal RRSP. This means potentially paying less tax on your Spousal RRSP assets at retirement.

(#13184522@0)
Last Updated: 2020-9-14
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枫下家园 / 钱财税务 / Common law partner中的一方购买RRSP，能否来年跟另一方合并报税并为另一方降低个人收入所得税税率？ -un007(misshome); 2020-9-10 {134} (#13178422@0)
小王和小李是Common law partner，小王购买RRSP，能否来年跟小李合并报税并为小李降低个人收入所得税税率？请群里懂财税的朋友指点，先谢过了！

spousal RRSP--给配偶买，降低自己的税率。 -stone-bridge(...---...); 2020-9-10 (#13178446@0)

小王收入低，小李收入高。小王可以通过给自己买RRSP来帮助小李减税吗？ -un007(misshome); 2020-9-10 (#13178497@0)

收入高的一方给收入低的一方买，从而降低收入高的一方税率。 -stone-bridge(...---...); 2020-9-10 (#13178611@0) +1

离婚的时候是否要打出狗脑袋来 -lzh0007(lzh0007); 2020-9-10 (#13178630@0)

即使没有配偶RRSP，离婚时打出脑袋也多了去。 -stone-bridge(...---...); 2020-9-10 (#13178725@0)

谢谢，但还是不太懂啊。收入高的一方没有RRSP room了，收入低的一方有。收入高的怎么给收入低的买？ -un007(misshome); 2020-9-10 (#13178811@0)

spousal RRSP是为了平衡RRSP账户里的钱。就别想用别人的room减税的事情了。 -guestagain(guest again); 2020-9-10 (#13178897@0)
自己的rrsp额度只能抵自己的税. -andersonwang(流浪者); 2020-9-10 (#13179090@0)
现在收入高的给将来收入低的。现在买spousal Rrsp，还是有好处的，这事想不明白吗？ -jameschen6(梦想农庄); 2020-9-10 (#13179120@0)

收入高的没room了，买不了spouse response. -househot(花开花落); 2020-9-10 (#13179315@0)

给的政策都用足了，还要怎样！ -jameschen6(梦想农庄); 2020-9-10 (#13179757@0) +2

没room当然就不行了，只能等来年有了room再买，记得买spousal RRSP。 -gracexueli(懒猫); 2020-9-10 (#13179786@0) +1

No -jameschen6(梦想农庄); 2020-9-10 (#13178470@0) +3
不可以. Spouse RRSP的逻辑不是这样的 -jianghongca(慎独); 2020-9-11 (#13179932@0) +2

能具体说明一下如何使用spouse RRSP吗？ -un007(misshome); 2020-9-13 (#13183382@0) +1

简单说就是你存钱到你spouse的账户。钱在谁的账户，取钱的时候，就算谁的income。谁存的钱，在存的时候，就用谁的room和抵扣谁的taxable income -criss(criss); 2020-9-13 (#13183482@0)

真得很感谢啊，可是我笨啊，这么多“谁的”，我一点儿都对不上号who跟who啊，还是不明白！LOL -un007(misshome); 2020-9-13 (#13183720@0)

Conditional, 一个句子里，如果前一个“谁”是你，后一个“谁”也就是你。 -criss(criss); 2020-9-14 (#13184944@0)
Spouse 账户中文叫夫妻账户，意思是夫妻都能往里存钱，夫存钱夫可以抵税，妻存钱妻抵税。但钱一旦存进账户，就算账户主人的了，将来钱也只能由账户主人才有资格取 -zbeifly(不是爱风尘似被前缘误); 2020-9-19 (#13194287@0)

你这样解释lz更糊涂了。 -gracexueli(懒猫); 2020-9-19 (#13194295@0)

会吗？夫妻账户户主设为妻子，高工资丈夫往进存钱1万抵丈夫税，第二年由户主妻子取出这1万，妻子工资低按妻子低税率交税即可。由此，达到了丈夫赚的1万块按照妻子的低收入税率交税，省税。 -zbeifly(不是爱风尘似被前缘误); 2020-9-19 (#13194329@0)

你到底明不明白spousal RRSP呀？3年内取出还是丈夫的收入，算不到妻子头上。 -gracexueli(懒猫); 2020-9-19 (#13194377@0)

从他说夫妻都能往里充钱就应该知道他是想当然的。其实这种基本概念类的东西最好自己在官网上查。否则听网友的很容易形成错误观念。 -userid2018(...); 2020-9-19 (#13194518@0)

我觉得lz已经明白了。 -gracexueli(懒猫); 2020-9-19 (#13194628@0)

取钱有时间限制 -giss(rr); 2020-9-14 (#13185022@0)

高收入的一方Contribute到低收入一方的Spousal RRSP账户, RRSP Contribution可以在高收入这方的当前税务年度税前抵扣. -jianghongca(慎独); 2020-9-16 {234} (#13188651@0)
Continution三年之后, 再从低收入一方的Spousal RRSP账户中提取, 就可以按低收入一方的Income纳税了.
Continution三年之内, 如果就从低收入一方的Spousal RRSP账户中提取的话, 要按高收入的一方(Contributer)的Income纳税

基本上就是一个收入平滑策略.

"Continution三年之后, 再从低收入一方的Spousal RRSP账户中提取, 就可以按低收入一方的Income纳税了.",你得这3年都没有做过Spousal RRSP Contribution才行。 -guestagain(guest again); 2020-9-16 (#13188787@0)
低收入一方要先开个spousal RRSP账户对吗？ -un007(misshome); 2020-9-17 (#13191265@0)

Yes -jianghongca(慎独); 2020-9-19 (#13194457@0)

How do Spousal RRSPs work? A spousal RRSP allows you to contribute money to your spouse or common-law partner's registered retirement savings plan, -un007(misshome); 2020-9-14 {639} (#13184522@0)
up to your personal contribution limit.

When a contribution is made to the spousal RRSP, the contributor receives a tax deduction.

This can help you balance your income as a couple and works best when a large disparity exists between you and your spouse's income.

By contributing to a Spousal RRSP, the higher-earning spouse receives a tax deduction that could lower their personal tax bill for the year.

On the other hand, the lower-earning spouse should get taxed at a lower marginal tax rate when the money is withdrawn from the Spousal RRSP. This means potentially paying less tax on your Spousal RRSP assets at retirement.

这么看给配偶买RRSP的确可以降低contributor的税率呀，上面多位为什么说不行呢？ -sooky(Sooky); 2020-9-19 (#13194214@0)

看楼主的楼顶贴子 -userid2018(...); 2020-9-19 (#13194245@0)

有没有实操经验的朋友来分享一下？到底能否通过购买Spousal RRSP达到为夫妻里高收入的一方减税？ -un007(misshome); 2020-9-20 (#13196030@0)

可以。俺买了点，买的时候跟银行说好要减LD的税，银行先问还有没有room（这儿忘了是LD的还是俺的rrsp room了)，银行然后跟你说三年不能取，你可以买成GIC或者bond, 三年内取的话帮LD减掉的税款还要退回去。 -235(不吃豹子); 2020-9-20 (#13196090@0)

交钱，然后银行给了一张单子，上面写明了要减免LD的税，报税的时候填上就可以了。 -235(不吃豹子); 2020-9-20 (#13196092@0)

最直接的办法是去银行问清楚，银行好像也可以帮你开个账户，你自动往里转钱就可以了，无需等到新年后才买。 -235(不吃豹子); 2020-9-20 (#13196095@0)

叫你家ld 弄这事吧，很简单的事，七嘴八舌的，你自己根本不具备基本知识，不具备辨别能力 -jameschen6(梦想农庄); 2020-9-21 {122} (#13196168@0)
问问题和看别人的回答，都需要基本知识的，你不具备。所以，回答也没用，你现在的问题、和你主贴，也不一样了，说明你都不会问问题

@Atlanta

How do Spousal RRSPs work? A spousal RRSP allows you to contribute money to your spouse or common-law partner's registered retirement savings plan,

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