Retirement rules reference
RRIF Minimum Factors
CRA prescribed factors for estimating RRIF minimum withdrawals by age.
CRA source-linkedAnnual source checkRegistered plans
Current snapshot
Standard all-other-RRIF factors
Age 71Source data
Age 80Source data
Age 95+Source data
StatusSource data
Plain-language context
What this reference means
RRIF minimum withdrawals are based on the fair market value of the RRIF at the beginning of the year multiplied by the applicable prescribed factor.
For most modern RRIFs, the all-other-RRIFs column is the practical starting point. Special columns for pre-March 1986 and qualifying RRIFs are preserved because CRA publishes them separately.
Reference table
CRA prescribed factors
| Age | All other RRIFs | Qualifying RRIFs | Pre-March 1986 |
|---|---|---|---|
| Source data | Source data | Source data | Source data |
Notes and assumptions
RRIF prescribed factors are maintained with the source values for this reference.
Official sources
- Source links are maintained with this reference.