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RRIF Minimum Withdrawal Calculator

↻ Updated 2026

Calculate the minimum you must withdraw from your RRIF this year — your January 1 balance times the CRA age-based factor, from 4.00% at 65 up to 20.00% at 95.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Your age

RRIF minimums apply from the year after you convert your RRSP

RRIF balance (Jan 1)

Minimum withdrawal

$16,200

this year at age 72

Withdrawal factor

5.40%

CRA age-72 factor

Monthly equivalent

$1,350

if paid over 12 months

Minimum at future agesif balance held constant

Age 72 — factor 5.40%$16,200

Age 77 — factor 6.17%$18,510

Age 82 — factor 7.38%$22,140

ASSUMPTIONS — Your minimum is the January 1 RRIF balance multiplied by the CRA age-based factor (post-2015 schedule), from 4.00% at 65 to 20.00% at 95 and older. You can always withdraw more than the minimum. Minimum withdrawals aren't subject to withholding tax, but the full amount is taxable income for the year. If your spouse is younger, you may elect to use their age for a lower minimum — not modelled here. Future-age figures assume a flat balance and are illustrative only.

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RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.