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If I havent paid into my RRSP, can I still withdraw from it?. RRSP contribution room is built based on your earned income, up to certain limits, and whether you contribute to a workplace pension plan. If you have an existing RRSP that you have contributed to, you can make withdrawals from it at any time, subject to withholding tax.
You must also report the amount you withdraw as income when you file your taxes. Learn more about making withdrawals from an RRSP before you retire.