Withdrawal Sequencer
Compare drawdown orders — lifetime tax, OAS clawback, and estate impact.
Froogal noticed Targeted meltdown (to clawback line, to 70) may save ~$26,760 tax and ~$0 OAS clawback vs standard.
Best by tax + clawback
Targeted meltdown (to clawback line, to 70)
Best estate (approx)
Standard (taxable first)
Tax saved vs standard
$26,760
Clawback saved $0
Lifetime tax, clawback & estate
Differences vs standard strategy
Negative tax/clawback deltas are savings; positive estate delta is more wealth at plan end.
| Strategy | Δ Tax | Δ Clawback | Δ Estate |
|---|---|---|---|
| Standard (taxable first) | $0 | $0 | $0 |
| Registered first, TFSA last | -$21,197 | $0 | $0 |
| Min-tax (TFSA first) | $76,014 | $0 | $0 |
| RRSP meltdown | -$25,514 | $0 | $0 |
| Targeted meltdown (to clawback line, to 70) | -$26,760 | $0 | $0 |
Frequently asked questions
- Which withdrawal order is best?
- It depends on tax brackets, OAS clawback, and longevity. We compare standard, TFSA-last, min-tax, and RRSP-meltdown on the same plan so you can see lifetime tax and clawback differences.
- Does this replace a planner?
- No. Sequencing interacts with pensions, brackets, and estate goals. Use this as a second opinion, not a personal recommendation.
Not financial advice. Educational estimates only, based on 2026 Canadian rules and your assumptions. Consult a licensed advisor or tax professional before decisions. Froogal is a mascot, not a licensed professional.