What is a LIF minimum withdrawal?

A LIF minimum withdrawal is the required percentage that must be taken out of a Life Income Fund each year, based on your age and provincial pension rules.

How is the LIF withdrawal rate calculated?

LIF minimum withdrawal percentages are based on your age and follow provincial pension rules. Ages 71 to 94 have specific CRA-defined factors, and ages 50 to 70 follow the standard formula.

What is the 2026 LIF minimum withdrawal rate at age 65?

At age 65, the minimum LIF withdrawal rate for 2026 is 4.00%, calculated using the standard Canadian LIF formula.

Does the LIF minimum rate change every year?

Yes. LIF minimum withdrawal percentages may change based on updates to pension laws or CRA formulas. The 2026 factors are reflected in this calculator.

LIF Minimum Withdrawal Calculator

2026

Based on official 2026 LIF minimum withdrawal factors set by the CRA and provinces.

LIF Minimum Withdrawal Calculator

Age:

View all 2026 LIF Minimum and Maximum Withdrawal Percentages

Speak to a LIF Withdrawal Advisor

Phil Barker

Working with an independent advisor specializing in LIF withdrawals can help you manage your retirement income. Explore options from top Canadian financial institutions. Our clients get sound advice and excellent service with no fees to pay.

(888) 970-1470 | Book Meeting

What Clients Say

Real experiences from Canadians who received personalized financial guidance.

Testimonials reflect individual client experiences. View Google Reviews.

Licensed Financial Advisor Professional investment guidance.

No Fees to You No direct fee for our service.

Compare Options Review withdrawal and retirement income options.

Private & No Pressure Private and no obligation to buy.

GET AN ANNUITY QUOTE NOW

GET QUOTE

About LifeAnnuities.com

Investment Products

Financial Calculators

Current Rates

Considering an Annuity?

Speak with Phil Barker, Licensed Insurance Broker and Annuity Expert.
Get a free annuity quote and compare rates from leading Canadian life insurance companies. There is no cost or obligation.

Life Annuities.com Inc. | Website: LifeAnnuities.com | Email: info@lifeannuities.com | Toll-free 1-888-970-1470