💰 RRIF 2026
RRIF Withdrawal Calculator 2026
Mandatory minimum withdrawal by age — CRA prescribed factors with 10-year projection.
RRIF Details
Withdrawal Rate
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Min Withdrawal
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Monthly
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Est. Tax
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Net After Tax
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Year-End Balance
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10-Year Projection
| Year | Age | Rate | Withdrawal | Year-End Balance |
|---|
Frequently Asked Questions
When must I convert my RRSP to a RRIF?
You must convert your RRSP to a RRIF by December 31 of the year you turn 71. No minimum withdrawal is required in the year you open the RRIF — mandatory minimums begin in the following calendar year.
Can I use my spouse's age?
Yes. If your spouse is younger, you can elect to use their age to calculate your minimum withdrawal. This election must be made when the RRIF is set up and cannot be changed later.