RRSP Withdrawal Tax in Yukon (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 Yukon marginal rate (other income + brackets).
Withholding at Source (Yukon)
| 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 + Yukon marginal rate.
Tax on Every RRSP Withdrawal Amount (Yukon, 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 | $724 | 4.0% | $5,276.21 | $19,276 |
| $25,000 | $7,500 | $1,744 | 7.0% | $5,756.21 | $23,256 |
| $30,000 | $9,000 | $2,764 | 9.0% | $6,236.21 | $27,236 |
| $35,000 | $10,500 | $3,784 | 11.0% | $6,716.21 | $31,216 |
| $40,000 | $12,000 | $4,804 | 12.0% | $7,196.21 | $35,196 |
| $50,000 | $15,000 | $6,844 | 14.0% | $8,156.21 | $43,156 |
| $60,000 | $18,000 | $9,018 | 15.0% | $8,981.80 | $50,982 |
| $70,000 | $21,000 | $11,968 | 17.0% | $9,031.80 | $58,032 |
| $75,000 | $22,500 | $13,443 | 18.0% | $9,056.80 | $61,557 |
| $100,000 | $30,000 | $20,818 | 21.0% | $9,181.80 | $79,182 |
| $150,000 | $45,000 | $38,007 | 25.0% | $6,993.13 | $111,993 |
| $200,000 | $60,000 | $57,366 | 29.0% | $2,633.69 | $142,634 |
| $300,000 | $90,000 | $100,827 | 34.0% | ($10,827.03) | $199,173 |
$20,000 Withdrawal on Top of Other Income (Yukon 2026)
What a $20,000 RRSP withdrawal actually costs in Yukon when stacked on your existing income. Effective rate rises as marginal rate climbs into higher brackets.
Other income: $0
$724
4.0% effective
Withheld $6,000 → refund $5,276
Other income: $30,000
$4,080
20.0% effective
Withheld $6,000 → refund $1,920
Other income: $60,000
$5,900
30.0% effective
Withheld $6,000 → refund $100
Other income: $100,000
$6,119
31.0% effective
Withheld $6,000 → owe $119
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 Yukon?
In Yukon, 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 Yukon?
The final tax equals your combined federal + Yukon marginal rate times the withdrawal. With no other income in 2026, a $20,000 withdrawal actually costs $724 (4.0% effective). At $60,000 other income it climbs to $5,900 (30.0%).
Is RRSP withdrawal taxable income in Yukon?
Yes — fully added to your taxable income for the year and taxed at your combined federal + Yukon marginal rate. The withholding is a deposit, not the final bill.
Does Yukon have its own RRSP withholding?
No. Yukon does not have a separate withholding — only CRA withholds federally (10% / 20% / 30%). Your Yukon provincial tax is calculated and settled when you file your T1 return. Quebec is the only province with a combined federal + provincial withholding.