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. CPP/QPP contribution ratesYMPE, YAMPE, basic exemption, base/additional rates, and maximum contributions. CPP/QPP retirement pensionCPP age-65 maximum and average anchors, plus QPP start-age amounts and adjustment factors. CPP Post-Retirement BenefitBenefit context for working and contributing after starting CPP retirement pension before age 70. CPP/QPP survivor benefitsCPP survivor pension rules plus QPP surviving spouse, death benefit, and orphan pension anchors. Pension income splittingEligible pension income, Form T1032, source-tax allocation, and tax credit context. RRIF minimum factorsAge-based minimum withdrawal factors, spouse-age election context, and annual withdrawal method notes. Key retirement agesCPP, QPP, OAS, RRSP maturity, RRIF, and pension income splitting age anchors. LIF withdrawal rates2025 LIF, RLIF, LRIF, pRRIF, and RRIF minimum and maximum withdrawal-rate anchors.