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Fewer Canadians are planning to put money into a Registered Retirement Saving Plan this year simply because they can't afford it, say surveys by two big banks.
Both Scotiabank and Bank of Montreal say many Canadians have other expenses, such as car payments and paying down debt, that are preventing them from making a contribution.
Scotiabank found that 31 per cent planned to contribute to their RRSP, down from 39 per cent last year. BMO said 43 per cent of those surveyed planned to contribute, down from 50 per cent in 2013.
"The top answer was that they did not have enough money to make a contribution," said BMO's Chris Buttigieg, senior manager of wealth planning strategy.
Mike Henry, a Scotiabank senior vice-president, agreed, saying those surveyed by his bank said "they can't afford it, they've got other expenses or other things they're trying to manage."