RRSP Withdrawal Tax in Alberta (2026)
CRA withholds 10% / 20% / 30% at source for withdrawals up to $5,000 / $5,001–$15,000 / over $15,000 — federal only (no provincial withholding outside Quebec). Final tax at filing depends on your Alberta marginal rate (other income + brackets).
Withholding at Source (Alberta)
| Withdrawal amount | Federal (CRA) | Total withheld |
|---|---|---|
| Up to $5,000 | 10% | 10% |
| $5,001 – $15,000 | 20% | 20% |
| Over $15,000 | 30% | 30% |
Source: CRA S3-F10-C3 and Regulation 103. Withholding is a prepayment — your final tax at filing is your combined federal + Alberta marginal rate.
Tax on Every RRSP Withdrawal Amount (Alberta, 2026)
Assumes RRSP withdrawal is your only income — e.g. retiree with no employment or CPP/OAS yet. 2026 basic personal amount shelters the first ~$16,129 federally.
| Withdrawal | Withheld | Actual tax | Effective rate | Refund / (Owing) | Net in hand |
|---|---|---|---|---|---|
| $300 | $30 | $0 | 0.0% | $30.00 | $300 |
| $1,000 | $100 | $0 | 0.0% | $100.00 | $1,000 |
| $2,000 | $200 | $0 | 0.0% | $200.00 | $2,000 |
| $3,000 | $300 | $0 | 0.0% | $300.00 | $3,000 |
| $4,500 | $450 | $0 | 0.0% | $450.00 | $4,500 |
| $5,000 | $500 | $0 | 0.0% | $500.00 | $5,000 |
| $8,000 | $1,600 | $0 | 0.0% | $1,600.00 | $8,000 |
| $10,000 | $2,000 | $0 | 0.0% | $2,000.00 | $10,000 |
| $15,000 | $3,000 | $0 | 0.0% | $3,000.00 | $15,000 |
| $20,000 | $6,000 | $497 | 2.0% | $5,503.28 | $19,503 |
| $25,000 | $7,500 | $1,375 | 6.0% | $6,124.80 | $23,625 |
| $30,000 | $9,000 | $2,475 | 8.0% | $6,524.80 | $27,525 |
| $35,000 | $10,500 | $3,575 | 10.0% | $6,924.80 | $31,425 |
| $40,000 | $12,000 | $4,675 | 12.0% | $7,324.80 | $35,325 |
| $50,000 | $15,000 | $6,875 | 14.0% | $8,124.80 | $43,125 |
| $60,000 | $18,000 | $9,171 | 15.0% | $8,828.79 | $50,829 |
| $70,000 | $21,000 | $12,197 | 17.0% | $8,802.79 | $57,803 |
| $75,000 | $22,500 | $13,722 | 18.0% | $8,777.79 | $61,278 |
| $100,000 | $30,000 | $21,347 | 21.0% | $8,652.79 | $78,653 |
| $150,000 | $45,000 | $38,410 | 26.0% | $6,590.27 | $111,590 |
| $200,000 | $60,000 | $58,030 | 29.0% | $1,969.76 | $141,970 |
| $300,000 | $90,000 | $102,223 | 34.0% | ($12,222.83) | $197,777 |
$20,000 Withdrawal on Top of Other Income (Alberta 2026)
What a $20,000 RRSP withdrawal actually costs in Alberta when stacked on your existing income. Effective rate rises as marginal rate climbs into higher brackets.
Other income: $0
$497
2.0% effective
Withheld $6,000 → refund $5,503
Other income: $30,000
$4,400
22.0% effective
Withheld $6,000 → refund $1,600
Other income: $60,000
$6,076
30.0% effective
Withheld $6,000 → owe $76
Other income: $100,000
$6,263
31.0% effective
Withheld $6,000 → owe $263
Run the numbers with your exact amount, other income, and year: Open RRSP Withdrawal Tax Calculator →
RRSP Withdrawal Tax in Other Provinces
Related Calculators
Frequently asked questions
How much withholding tax is deducted on an RRSP withdrawal in Alberta?
In Alberta, CRA withholds federal-only at source: 10% on withdrawals up to $5,000, 20% on $5,001–$15,000, and 30% above $15,000. No provincial withholding applies — your provincial tax is settled at filing.
What is the final tax rate on an RRSP withdrawal in Alberta?
The final tax equals your combined federal + Alberta marginal rate times the withdrawal. With no other income in 2026, a $20,000 withdrawal actually costs $497 (2.0% effective). At $60,000 other income it climbs to $6,076 (30.0%).
Is RRSP withdrawal taxable income in Alberta?
Yes — fully added to your taxable income for the year and taxed at your combined federal + Alberta marginal rate. The withholding is a deposit, not the final bill.
Does Alberta have its own RRSP withholding?
No. Alberta does not have a separate withholding — only CRA withholds federally (10% / 20% / 30%). Your Alberta provincial tax is calculated and settled when you file your T1 return. Quebec is the only province with a combined federal + provincial withholding.