Reference category

Retirement Rules

A planning map for RRIF factors, pension-income rules, public-benefit timing, and age-based retirement thresholds.

Reference list

Reference items

Projection assumptions 2026Inflation and expected-return assumptions used in long-term retirement projections.Reviewed CPP/QPP contribution ratesContribution ceilings and rates that support pensionable-earnings context.Reviewed CPP/QPP retirement pensionCPP and QPP retirement pension amount anchors, start-age adjustments, and calculation context.Reviewed CPP/QPP survivor benefitsSurvivor pension, death benefit, orphan pension, and family-benefit context.Reviewed Pension income splittingEligible pension income, Form T1032, 50% allocation limit, and tax-return context.Reviewed RRIF minimum factorsCRA prescribed factors for estimating RRIF minimum withdrawals by age.Reviewed Key retirement agesCPP, QPP, OAS, RRSP maturity, RRIF, and pension income splitting age anchors.Reviewed LIF withdrawal rates2025 LIF, RLIF, LRIF, pRRIF, and RRIF minimum and maximum withdrawal-rate anchors.Reviewed