How do I test RRSP melting up to a tax bracket?

In AUTOMATIC SAVINGS and WITHDRAWALS, add an entry for the registered retirement account and select Top up tax bracket. Set the recipient and the years when you want the strategy attempted, then save.

This mode uses taxable income before the registered-account withdrawals already counted to select the federal bracket, then calculates the additional withdrawal needed to approach its upper limit. It does not ask you to choose an arbitrary provincial bracket or a fixed dollar withdrawal. Once OAS has started, its recovery-tax threshold is also considered as a bracket limit. Mandatory withdrawals and account restrictions still matter.

The withdrawn money enters cash flow. Set deposit PRIORITIES or an automatic TFSA deposit if you want available after-tax excess directed there. Selecting melting does not itself select a destination account.

Save an ordinary scenario and compare it with the melting scenario in TIME MACHINE. Earlier withdrawals can reduce later balances and mandatory withdrawals, but can also increase earlier taxes or benefit clawbacks. The feature tests the rule; it does not guarantee a better result.