Retirement rules reference

LIF Withdrawal Rates

2025 minimum and maximum withdrawal-rate anchors for LIF, RLIF, LRIF, pRRIF, and RRIF accounts by age and jurisdiction group.

RBC source-linkedJurisdiction-specificAnnual review

Current snapshot

Withdrawal-rate anchors

Table yearLoading
Age 55 federal maxLoading
Age 71 minimumLoading
Age 95+ minimumLoading

Plain-language context

What this reference means

Locked-in retirement accounts often have both minimum and maximum annual withdrawal rules. Minimum rates generally align across RRIF/LRIF/pRRIF/LIF/RLIF accounts, while LIF and RLIF maximums vary by jurisdiction.

This page uses RBC Wealth Management's 2025 consolidated table as a source map. It is useful for calculator defaults and review, but jurisdiction legislation, plan documents, and provider administration still matter.

Reference table

2025 LIF and locked-in plan rates

AgeMinimumFederal maximumProvincial maximum groups
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Notes and assumptions

LIF withdrawal rates are loaded from the shared OpenBook Planning retirement-rules data file.

Official and source links

  • Source links load from the centralized reference data file.