OAS clawback at $95,323. Plan around it.
Every dollar of net world income above $95,323 in 2026 triggers a 15% Old Age Security recovery tax. Optiml models the income, the timing, and the accounts so your OAS stays whole.
140,000+ retirement plans run · 4.8 / 5 · PIPEDA compliant · Canadian data storage
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OAS clawback avoided
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Income smoothed under threshold
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RRSP meltdown sequenced
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Pension income split
As seen in: Globe and Mail · Financial Post · Invest Nova Scotia · fintech.ca · Moolala Podcast
140,000+ plans run
4.8 / 5 rating
BBB A+
PIPEDA compliant
Two ways to handle the OAS threshold
OAS on autopilot. Or your clawback plan, before retirement income lands.
OAS on autopilot
STATUS QUO
15%
recovery tax above $95,323
- Net world income above $95,323 in 2026 triggers a 15% recovery tax
- RRIF minimums, CPP, and pension income stack on top of each other
- OAS fully eliminated by about $155,123 (or $158,196 if you're 75+)
- The threshold is set by the CRA and indexed each year, not by your plan
- Whatever you lose to recovery tax doesn't come back
Optiml clawback plan
BUILT FOR YOU
3 to 15%
illustrative lifetime-tax range
- Income smoothed across years to stay under the recovery threshold
- RRSP melted earlier in lower-bracket years to shrink later RRIF minimums
- Pension splitting and TFSA sequencing modelled together
- CPP and OAS start ages solved alongside the rest of your plan
- Re-optimized any time your income, brackets, or balances change
Illustrative example. Your results are unique.
Plan around the OAS clawback, before it costs you.
14-day free trial on every Optiml tier. Plans from $9.99 / month. Cancel anytime in-app.
14-day free trial. Cancel anytime in-app.
14-day free trial. Cancel anytime in-app.