RRSP + Spousal RRSP Tracker

Track your RRSP and your spouse's Spousal RRSP together — in one Google Sheets dashboard built for the Canadian system, not adapted from an American template.

Beyond standard RRSP contribution room and ACB tracking across both accounts, this tracker includes the Attribution Tracker — an automatic 3-year rule monitor that tracks every spousal contribution by year and tells you exactly when it's safe for your spouse to withdraw funds without the withdrawal being attributed back to you as the contributor. No more guessing at CRA's attribution rules or manually counting calendar years — every contribution logged in your Transaction Log instantly updates the safe-withdrawal date, with a clear SAFE / AT RISK status for each year. The Tax Dashboard also estimates your household income-splitting benefit across both spouses' brackets. No subscriptions, no software to install — just make a copy and start tracking today.