2026 Figures > RRIF Minimum Withdrawal 2026 (Factor Table)
RRIF Minimum Withdrawal 2026 (Factor Table)
What is the mandatory minimum RRIF withdrawal?
Before age 71: 1 ÷ (90 − age on January 1). From age 71 on, the prescribed factor: age 71: 5.28%; age 75: 5.82%; age 80: 6.82%; age 85: 8.51%; age 90: 11.92%; age 95: 20%, applied to the RRIF's value on January 1.
Verified on 2026-09-25 · official source
- No minimum withdrawal is required in the year the RRIF is opened.
- The younger spouse's age can be used to reduce the minimum.
- The minimum withdrawal is not subject to withholding tax.
Frequently Asked Questions
What is the RRIF minimum at age 71?
5.28% of the January 1 value.
Apply this figure to your client's file
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