Estimate my RRIF withdrawals

This calculator lets you estimate how much you should withdraw from your Registered Retirement Income Fund (RRIF) so that you can better plan your retirement income. When it comes to converting your RRSP to a RRIF, there are so many options available. This simulator will allow you to compare different scenarios.

Log in to your online account before launching the calculator. You'll then be able to come back to it and make changes without starting from scratch.

  • Be advised
    The results of the estimated RRIF withdrawals tool are based on the data you provide and certain assumptions. Estimated RRIF withdrawals are approximate and provided for informational purposes only; results are not guaranteed. Actual results may vary significantly due to external factors beyond the scope of this tool.

    The results do not constitute financial, legal, accounting, taxation, or other advice and should not be construed as such. You should not make any decisions based on these results without consulting a FlexiFonds mutual fund advisor.

    The Fonds de solidarité FTQ (the "Fonds") is not liable for any loss, damage, or other harm that may arise from the use of the estimated RRIF withdrawals tool.

    About FlexiFonds de solidarité FTQ
    FlexiFonds de solidarité FTQ inc., a wholly owned subsidiary of the Fonds de solidarité FTQ, is a mutual fund dealer duly registered with the Autorité des marchés financiers. FlexiFonds de solidarité inc. acts as the principal distributor of the FlexiFonds funds and does not distribute the units of any other mutual fund.

    Protection of Personal Information
    When you log into your account online, the Fonds collects, uses and discloses your personal information so that it can estimate RRIF withdrawals.

    The Fonds may also use your personal information to customize your experience and optimize the quality of its products and services. Your personal information could be used for targeted advertising or marketing, research, or statistical compilation purposes.

    Your information, your rights
    When you provide us with personal information, you consent to its collection, use and disclosure for the purposes identified at the time of collection, including those described on this page. In certain circumstances, such as when the Fonds wishes to use or disclose your information for purposes not previously identified, we may ask for your consent after we have collected your personal information.

    You may at any time access, modify or withdraw your consent when permitted and ask us questions about how your personal information is processed. To exercise your rights or submit a complaint concerning your personal information and its processing, write to us at

    Disclosure and transfer outside of Québec
    The Fonds may disclose your personal information to third parties. This may include the platform provider it uses to carry out estimations and calculations. Your personal information is usually stored in Québec. However, it is possible that the disclosure of your personal information to certain third parties could result in such data being transferred outside Québec. In such a case, the Fonds will verify compliance with the applicable personal data protection laws and practices in the given jurisdiction and ensure that your personal information is properly protected.

    To learn more, please read the Privacy Notice.

    By clicking "Start" while you are logged into your online account, you consent to the collection, use, disclosure and processing of your personal information by the Fonds for the purposes described above. If you refuse, please do not use the RRIF withdrawal estimation tool, or disconnect before using it.