RRSP Withdrawal Tax in Manitoba (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 Manitoba marginal rate (other income + brackets).
Withholding at Source (Manitoba)
| 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 + Manitoba marginal rate.
Tax on Every RRSP Withdrawal Amount (Manitoba, 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 | $952 | 5.0% | $5,047.52 | $19,048 |
| $25,000 | $7,500 | $2,192 | 9.0% | $5,307.52 | $22,808 |
| $30,000 | $9,000 | $3,432 | 11.0% | $5,567.52 | $26,568 |
| $35,000 | $10,500 | $4,672 | 13.0% | $5,827.52 | $30,328 |
| $40,000 | $12,000 | $5,912 | 15.0% | $6,087.52 | $34,088 |
| $50,000 | $15,000 | $8,451 | 17.0% | $6,549.02 | $41,549 |
| $60,000 | $18,000 | $11,222 | 19.0% | $6,778.01 | $48,778 |
| $70,000 | $21,000 | $14,547 | 21.0% | $6,453.01 | $55,453 |
| $75,000 | $22,500 | $16,209 | 22.0% | $6,290.51 | $58,791 |
| $100,000 | $30,000 | $24,522 | 25.0% | $5,478.01 | $75,478 |
| $150,000 | $45,000 | $45,285 | 30.0% | ($284.51) | $104,715 |
| $200,000 | $60,000 | $67,541 | 34.0% | ($7,541.31) | $132,459 |
| $300,000 | $90,000 | $115,602 | 39.0% | ($25,602.03) | $184,398 |
$20,000 Withdrawal on Top of Other Income (Manitoba 2026)
What a $20,000 RRSP withdrawal actually costs in Manitoba when stacked on your existing income. Effective rate rises as marginal rate climbs into higher brackets.
Other income: $0
$952
5.0% effective
Withheld $6,000 → refund $5,048
Other income: $30,000
$5,019
25.0% effective
Withheld $6,000 → refund $982
Other income: $60,000
$6,650
33.0% effective
Withheld $6,000 → owe $650
Other income: $100,000
$7,743
39.0% effective
Withheld $6,000 → owe $1,743
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 Manitoba?
In Manitoba, 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 Manitoba?
The final tax equals your combined federal + Manitoba marginal rate times the withdrawal. With no other income in 2026, a $20,000 withdrawal actually costs $952 (5.0% effective). At $60,000 other income it climbs to $6,650 (33.0%).
Is RRSP withdrawal taxable income in Manitoba?
Yes — fully added to your taxable income for the year and taxed at your combined federal + Manitoba marginal rate. The withholding is a deposit, not the final bill.
Does Manitoba have its own RRSP withholding?
No. Manitoba does not have a separate withholding — only CRA withholds federally (10% / 20% / 30%). Your Manitoba provincial tax is calculated and settled when you file your T1 return. Quebec is the only province with a combined federal + provincial withholding.