PRO RETIREMENT TOOL

OAS Clawback & Pension Shield Simulator

Under CRA rules, earning over $90,997 triggers a 15% recovery surtax that claws back your Old Age Security pension. Model your post-71 mandatory RRIF income and discover how early RRSP meltdowns preserve tens of thousands in guaranteed government benefits.

⚡ LIVE DIAGNOSTIC PREVIEW — TEST YOUR NUMBERS Instant Estimate

Portfolio / Balance ($)

Annual Income / Flow ($)

Horizon (Years)

ESTIMATED 20-YEAR OPTIMIZATION IMPACT

+$34,680

Calculated from your inputs above

🔒 Exact Execution Plan Locked

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PRO TOOL

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