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At that time, you may have to pay more tax on the money - on top of the withholding tax. The Canada Revenue Agency has additional information on withdrawal tax rates, and making withdrawals from your RRSP. You can ask your adviser to calculate your return for you, or you can calculate it yourself using a financial calculator or spreadsheet software.
Follow the steps on how to calculate your personal rate of return on GetSmarterAboutMoney. This method of return is ideal for helping you determine whether you are progressing towards your goals.