RRIF Calculator
Provide your age, and optionally your spouse's age to calculate the minimum withdrawals you will need to make on your RRIF.
Your RRIF value
(as of January 1st)
Your expected annual % return
Your age
(as of January 1st)
Your spouse's age
(as of January 1st)
Use my spouse's age in the calculation
When do you want to start payments?
Year 1
(start right away)
Year 2
(defer one year if you are 71)
RRIF Minimum Withdrawal Rates
Age
(on Jan 1)
%
Withdrawal
Balance
71
5.28
$13,200
$242,719
72
5.4
$13,107
$235,352
73
5.53
$13,015
$227,895
74
5.67
$12,922
$220,347
75
5.82
$12,825
$212,710
76
5.98
$12,721
$204,988
77
6.17
$12,648
$197,148
78
6.36
$12,539
$189,224
79
6.58
$12,451
$181,192
80
6.82
$12,358
$173,054
81
7.08
$12,253
$164,821
82
7.38
$12,164
$156,473
83
7.71
$12,065
$148,018
84
8.08
$11,960
$139,459
85
8.51
$11,868
$130,780
86
8.99
$11,758
$121,997
87
9.55
$11,651
$113,104
88
10.21
$11,548
$104,094
89
10.99
$11,440
$94,970
90
11.92
$11,321
$85,740
91
13.06
$11,198
$76,405
92
14.49
$11,072
$66,966
93
16.34
$10,943
$57,423
94
18.79
$10,790
$47,798
95
20
$9,560
$39,193
96
20
$7,839
$32,137
97
20
$6,428
$26,351
98
20
$5,271
$21,606
99
20
$4,322
$17,716
100
20
$3,544
$14,526
101
20
$2,906
$11,910
102
20
$2,382
$9,766
103
20
$1,954
$8,007
104
20
$1,602
$6,565
105
20
$1,313
$5,383
106
20
$1,077
$4,413
107
20
$883
$3,618
108
20
$724
$2,966
109
20
$594
$2,431
110
20
$487
$1,992