Data Sources
No live government lookups. Every value is a static, manually-verified table — last verified June 12, 2026.
CRA - Prescribed factors for calculating the minimum amount from a RRIF
https://www.canada.ca/en/revenue-agency/services/tax/registered-plans-administrators/pspa/calculating-minimum-amount.htmlLast verified 2026-06-12. Source for rrifFactors.json prescribed factors (age 71+) and the 1/(90-age) rule below 71.
CRA - Receiving income from a RRIF (minimum amounts explained)
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/registered-retirement-income-fund-rrif/receiving-income-a-rrif.htmlLast verified 2026-06-12. Explains the spouse/common-law partner age election and first-year rules.
Government of Canada - OAS pension recovery tax (clawback)
https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.htmlLast verified 2026-06-12. Source for oasRecoveryThresholds.json income thresholds and 15% recovery rate.
Government of Canada - OAS payment amounts
https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.htmlLast verified 2026-06-12. Source for oasPaymentAmounts.json quarterly maximums and full-clawback income levels.
CRA - Canadian income tax rates for individuals (federal and provincial/territorial)
https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.htmlLast verified 2026-06-12. Source for federalTaxBrackets.json and provincialTaxBrackets.json.
Government of Canada - CPP retirement pension amounts
https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-benefit/amount.htmlLast verified 2026-06-13. Source for cppAssumptions.json. Age-65 maximum ($1,507.65/mo) and average ($925.35/mo) are January 2026 figures; adjustment rules (-0.6%/mo early, +0.7%/mo delayed) are legislated. Re-verify the dollar maximum each January.
LIF (Life Income Fund) withdrawal rules — minimum and maximum
https://www.canada.ca/en/services/benefits/publicpensions/cpp/life-income-fund.htmlLast verified 2026-06-13. LIF MINIMUM withdrawals use the same CRA prescribed factors as a RRIF (see cra-rrif-factors) and are calculated on this site. LIF MAXIMUM withdrawals are set separately by provincial or federal pension legislation, vary by jurisdiction, and change annually — those maximum factor tables are NOT yet verified or implemented, so the site shows the LIF maximum as 'coming soon' and never estimates it. Consult your LIF provider or pension regulator for your maximum.
CRA - Options for your own RRSPs (maturity by end of year you turn 71)
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/options-your-rrsps.htmlLast verified 2026-06-12. Source for the age-71 RRSP maturity rule used by the conversion-age page.
CRA - Line 30000 Basic personal amount (provincial amounts)
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-30000-basic-personal-amount.htmlLast verified 2026-06-13. Source for 2025 provincial basic personal amounts now applied as credits in the tax estimator (ON 12,747; AB 22,323; BC 12,932; MB 15,780; NB 13,396; SK 19,491).
CRA - TFSA contribution room and annual limits
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributions.htmlLast verified 2026-06-13. Source for tfsaLimits.json. Annual limits 2009-2026 sum to $109,000 cumulative; 2026 annual limit is $7,000. Re-verify annual limit each January.
Government of Canada - Guaranteed Income Supplement amounts
https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/guaranteed-income-supplement.htmlLast verified 2026-06-13. Source for gisAmounts.json (Q1 2026 maximums and thresholds). GIS reduces ~50c per $1 of other income; revised quarterly. Re-verify the current quarter.
Ontario surtax and health premium (CRA / provincial)
https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.htmlLast verified 2026-06-13. Source for ontarioSurtax.json. 20% surtax on Ontario tax over $5,710 plus 36% over $7,307 (2025). Health premium not modelled.