u/Spiritual_Concert275

I am 75 years old and have been collecting OAS for a number of years. I have noted my eligibility and the monthly amount in the appropriate input fields. The total showing as OAS income for the current year is correct based on the input monthly amount.

There is a pop-up message beside the OAS income amount for 2026. The message reads (in part):

First Year OAS Calculation
OAS Start Month: February
Months Received: 11/12

This is obviously incorrect. This message appears in all the plans I have saved back to April 2026.

My existing assets include a RRIF with a balance of $167,000. When I run an aggressive RRSP Meltdown scenario the results indicate I should withdraw an additional $14,522 from the RRIF in 2026.

When I simulate that additional withdrawal by updating the RRIF inputs by adding $15,000 to the RRIF withdrawals already made this year and by reducing the RRIF balance by a similar $15,000 the results now indicate I should withdraw an additional $8,147 from the RRIF this year.

I was expecting that if I followed Optiml's advise and withdrew the recommended amount from the RRIF there would be no further withdrawal this year.

How do you explain this result?