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RRSP at Retirement Calculator

Project your RRSP balance at retirement, monthly RRIF-style income, after-tax income and how long savings last at your chosen monthly withdrawal.

Your details

Instant result — 2026 defaults filled, edit anything. All fields are prefilled with the 2026 Canada defaults and the result shows instantly. Change any field and it recalculates instantly. Reset restores the 2026 defaults.

Current RRSP balance ($)Prefilled with the 2026 default — edit if you want, e.g. 100000.

Annual contribution ($)Prefilled with the 2026 default — edit if you want, e.g. 6000.

Annual growth rate (%)Default: 5% — you can change it.

Years until retirementPrefilled with the 2026 default — edit if you want, e.g. 20.

Desired monthly withdrawal ($)Prefilled with the 2026 default — edit if you want, e.g. 3000.

Tax rate on withdrawals (%)Default 2026: 25% — you can change it.

Your results

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Calculated with the 2026 Canada rules shown on this page. This is not tax, legal or financial advice, and not an official CRA / Service Canada determination.

Advanced

About RRSP at Retirement Calculator

Project your RRSP balance at retirement, monthly RRIF-style income, after-tax income and how long savings last at your chosen monthly withdrawal. The result appears instantly with the 2026 defaults filled in — edit anything you want.

FAQs

What does this calculator do?

Project your RRSP balance at retirement, monthly RRIF-style income, after-tax income and how long savings last at your chosen monthly withdrawal.

How do I use it?

The result appears instantly with the 2026 defaults filled in — edit any field and it updates instantly, with no signup.

Is the result official?

No. This is a calculator estimate based on the 2026 rules shown on this page, not an official CRA / Service Canada determination. Check official rules for your case.

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