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2027 rate updates when the brackets change
The Maple Finance
Free Canadian retirement tools
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The Withdrawal Order — Calculator
Three quick tools to run your numbers. 2026 figures built in. Everything runs in your browser — your numbers are never sent anywhere.
🔒 Nothing is uploaded. Ever.
🔥 1. Your meltdown headroom
How much you can pull from your RRSP this year while staying inside a low tax bracket. Fill the cheap bracket — don't spill into the expensive one above.
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$0
🛡️ 2. OAS clawback checker
Cross the line and the government takes back 15 cents of your Old Age Security for every extra dollar. Here's where you stand.
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⏳ 3. Should you delay to 70?
Waiting makes both cheques permanently bigger: CPP grows about 42% by age 70, OAS about 36%. See your raise.
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$
CPP at 60 (−36%)
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CPP at 70 (+42%)
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OAS at 70 (+36%)
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Extra income at 70 vs 65
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2027 rate updates when the brackets change
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How to read this. These are simplified estimates to show the shape of the decision, not a filed tax return. The headroom tool uses 2026 federal brackets (lowest rate 14% up to $58,523; basic personal amount $16,452) — your provincial tax applies on top, so your true low-bracket room may differ a little. The OAS line ($95,323) and maximum OAS (~$8,914/yr for ages 65–74) are 2026 figures and are indexed every year. CPP/OAS delay uses the standard adjustment factors (CPP −0.6%/mo early, +0.7%/mo late; OAS +0.6%/mo late).