2026 RRIF Minimum Withdrawal Rates
Table: 2026 RRIF Minimum Withdrawal Rates
Below is the official 2026 RRIF minimum withdrawal schedule, based on government of Canada's formula 1÷(90-age). These percentages apply to all RRIFs opened after 1992.
| Age At start of year |
Annual Minimum Withdrawal (%) 1/(90-age) x 100 |
|---|---|
| 50 | 2.50% |
| 51 | 2.56% |
| 52 | 2.63% |
| 53 | 2.70% |
| 54 | 2.78% |
| 55 | 2.86% |
| 56 | 2.94% |
| 57 | 3.03% |
| 58 | 3.13% |
| 59 | 3.23% |
| 60 | 3.33% |
| 61 | 3.45% |
| 62 | 3.57% |
| 63 | 3.70% |
| 64 | 3.85% |
| 65 | 4.00% |
| 66 | 4.17% |
| 67 | 4.35% |
| 68 | 4.55% |
| 69 | 4.76% |
| 70 | 5.00% |
| 71 | 5.28% |
| 72 | 5.40% |
| 73 | 5.53% |
| 74 | 5.67% |
| 75 | 5.82% |
| 76 | 5.98% |
| 77 | 6.17% |
| 78 | 6.36% |
| 79 | 6.58% |
| 80 | 6.82% |
| 81 | 7.08% |
| 82 | 7.38% |
| 83 | 7.71% |
| 84 | 8.08% |
| 85 | 8.51% |
| 86 | 8.99% |
| 87 | 9.55% |
| 88 | 10.21% |
| 89 | 10.99% |
| 90 | 11.92% |
| 91 | 13.06% |
| 92 | 14.49% |
| 93 | 16.34% |
| 94 | 18.79% |
| 95 & over | 20.00% |
Different rules apply for RRIFs that were set up before the end
of 1992.
View pre-1992 RRIF
Withdrawal Rates
