Confirmed everything is ok. Somehow, I must have set something differently along the way. I started over the defined benefit pension income and bridge benefit, entered all the values again and presto! Things are adding up.

Considering the complexity of all of this, I'm pretty amazed at what you've built and I'm very grateful it's available to anyone.

Seems reasonable and understandable. Yeah, that's why I categorized it as an RRSP. Sounds like my approach should work to account for this.

The withdrawal form the LIRA at 65! That explains things... lol. I was doing it at 58 and it just didn't work.

Once again, thanks for the info. Hopefully having these posted on the forum as separate topics allows others to find answers and avoid asking questions in the future. I did read all of them :)

Hmm I actually knew all of that and entered things as such (but thanks for the info regardless). Maybe something else is going on... I'll review my work and see if I can figure out what's going on then. When I changed the income to a normal Salary, numbers seem to add up. But once I switched to a Defined Benefit Pension, the amounts decreased substantially.

Our plan is to delay CPP until 70. Thus make up the difference with RRSP/TFSA since the bridge benefit goes away at 65. Also, I did enter the bridge benefit separately. I'll post back if I can't find a solution or don't understand what's going on.

Merci.

When converting a LIRA to a LIF, you can unlock 50% at that time and transfer it to an RRSP (assuming you have room).

I couldn't find an official way to do this. When I try and withdraw half of it after converting it to a LIF, it seems the withdrawal doesn't happen. So what I did is set the LIRA as an RRSP, then withdraw the 50% from it on that date and immediately contribute it back to the actual RRSP.

Any better way to do this?

(sorry for the multiple questions today, I do appreciate the help) 

I apparently missed that in the process. But now I have a secondary issue... If we delay her CPP until say 70, to my knowledge, the increase relative to 65 should be available in the withdrawals. But it seems both CPP/OAS are greyed out in the tables of the TM outputs. I understand her pension is made to work with CPP, but that's presumed to be taken at 65.

To add, currently I'm just limiting contributions to approximately her yearly limit. But I'm wondering if there's a way to reduce the available room to accurately reflect the fact that the space is indeed gone.

Hi, I'm wondering if there's a trick available to account for a public pension RRSP deduction amount. My spouse is a teacher in Ontario and as such, has a pension provided. There is a deduction applied which greatly reduces her available RRSP room. I couldn't find any strategy to account for this and as such, it assumes presumably a room of 18% of her income when in fact, it's probably closer to 3-5%.

Merci.