SuffisaBuilt for Canada
OAS recovery tax

See how withdrawals can trigger the OAS clawback.

High taxable retirement income can reduce Old Age Security. Suffisa helps you test drawdown choices that may avoid bunching income into expensive years.

Run the simulatorHow it helps

Income-tested

OAS is modeled alongside taxable withdrawals instead of in isolation.

Year by year

The plan shows when income pressure appears, not just an average result.

Built for retirees

RRIF minimums, CPP timing, and account order all feed into the same projection.

Why it matters

The clawback is a planning signal.

If a withdrawal strategy creates repeated high-income years, OAS can be partially recovered through tax. The answer is not always to minimize income; it is to coordinate income.

  • Large RRSP/RRIF withdrawals may push income into the recovery zone.
  • Realizing non-registered gains can add taxable income.
  • CPP timing and pension income can change the room available for withdrawals.
Use the tool

Model OAS as part of the full drawdown plan.

Suffisa is broader than a single-line clawback estimate. It connects OAS recovery tax to sustainable spending, estate value, and the accounts you actually hold.

  • Enter OAS and CPP assumptions
  • Add RRSP/RRIF, TFSA, and non-registered balances
  • Compare spending and legacy targets
  • Review suggested withdrawal-order adjustments
Plan

Estimate the clawback in context.

Run a free Suffisa plan to see how OAS interacts with withdrawals, tax, and spending over retirement.

Run the simulator