I'm trying to understand whether the MoneyReady app can handle the following situation:

Two retirees, where one has some OAS clawaback and unrealized capital gains in an unregistered account. The money is not needed for expenses, but the question is whether the capital gains should be realized at once or spread out over time. It seems to me the progam bases everything on spending, but in this case no money is needed from the unregistered account - it's really a question of how to minimize taxes. 

The thinking is that taking more realized gains in one year will incure a peenatly until the OAS is fully clawed back but then the marginal total tax hit goes down as there isn't the 15% OAS clawback. But if the gains are spread out year after year, then there is continuols OAS clawback. 

Yes. You can answer the question by forcing the TIME MACHINE to make withdrawals from the Non-registered account so that the capital gains are realised. You set that up with AUTOMATIC withdrawals from the account, and you can set the amount and timing of the withdrawals as you wish. If the money is not needed for spending, then it will be deposited  back into that or another account based on your deposit PRIORITIES. If you want to play with the amount and timing, you can run a SCAN to systematically vary the parameters of the AUTOMATIC withdrawal entry, and this way find the optimal solution.

Thank you!