📋 Your RRIF Details
No OAS Clawback
Your total income is below the 2026 clawback threshold of $93,454.
⏳ RRIF Balance Projection
📊 Balance & Withdrawals Over Time
📋 CRA Prescribed Minimum Withdrawal Factors
Your current age is highlighted in purple. Factors increase every year — meaning you must withdraw more as you age.
📅 Year-by-Year Withdrawal Schedule
Orange rows = OAS clawback triggered. Green row = RRIF fully depleted.
| Age / Year | Factor | Min. Withdrawal | Total Withdrawal | Tax Owing | Net Income | Year-End Balance |
|---|
💡 RRIF Planning Tips for Canadians
👫 Use Your Spouse's Age
If your spouse is younger, elect to use their age for your RRIF minimum. This reduces your mandatory withdrawal each year — keeping more money growing tax-sheltered longer.
🏦 Convert Early if Rates Are Low
You don't have to wait until 71 to convert. Converting to a RRIF before 71 gives you flexibility — and if your income is low that year, early withdrawals may be taxed at a lower rate.
💰 Move Excess to TFSA
If you don't need your full RRIF minimum for living expenses, withdraw it and immediately contribute the after-tax amount to your TFSA. It keeps growing tax-free.
🎯 Avoid the OAS Clawback
RRIF withdrawals add to your taxable income. If you're near the $93,454 clawback threshold, plan withdrawals carefully — or draw from your TFSA instead to protect OAS.