LIF Quick Calc

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Go to the service LIF Quick Calc

The service allows you to find out how much life income or temporary income you can draw from your life income fund (LIF) before age 55 for 2025.

To calculate the income you could draw from your LIF for 2024, you must use:

Go to the 2024 LIF Quick Calc

The service:

includes the LIFs subject to the Supplemental Pension Plans Act, that is, LIFs under Québec jurisdiction;
does not include the LIFs subject to another law, for example, those under federal jurisdiction;
does not take into account the variable benefits under a supplemental pension plan.

This is a simulation tool: no information is sent to Retraite Québec nor to the financial institution that manages your LIF.

Life income and temporary income are calculated based on the information you entered. The income paid by your financial institution may be different if:

the information you used is incorrect;
income tax is deducted;
the terms of your contract include fees.

Before filing an application for a temporary income with your financial institution, be sure that the contract entered into with the financial institution includes that option.