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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 source check

Current snapshot

Withdrawal-rate anchors

Table yearSource data
Age 55 federal maxSource data
Age 71 minimumSource data
Age 95+ minimumSource data

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 reference guide. It is useful for calculator assumptions 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
Source dataSource dataSource dataSource data

Notes and assumptions

LIF withdrawal rates are maintained with the source values for this reference.

Official and source links

  • Source links are maintained with this reference.