OAS Clawback Calculator
How much Old Age Security you repay through the recovery tax when your net income is above the threshold, and how much you keep.
Result
OAS repaid for the year: CA$3,701.55Estimate
Uses the October to December 2026 OAS rate for the whole year; OAS rises with inflation each quarter.
- Taken off each monthly payment
- CA$308.46Estimate
- OAS kept for the year
- CA$5,448.45Estimate
- Full OAS for the year
- CA$9,150.00Estimate
- Recovery tax threshold
- CA$95,323.00Estimate
https://calcgallery.com/retirement-planning/oas-clawback-calculator/
Results are arithmetic on the returns, rates and horizons you enter, not a forecast and not investment, tax or retirement advice. The site supplies no expected return, inflation rate, contribution limit, tax rate or withdrawal rate. Real returns vary from year to year, and fees, taxes and the order of returns all change the outcome. Check anything that matters with a qualified adviser. Read the full disclaimer
How to use the OAS Clawback Calculator
- Enter your net income for the year, line 23400 of your return.
- Pick the income year. The clawback on 2026 income is taken from payments from July 2027 to June 2028.
- Pick your age band, since OAS is 10% higher from 75.
- Read how much OAS you repay and how much you keep.
The calculation
The OAS recovery tax takes back 15 cents of OAS for each dollar of net income above the threshold.
repaid = 15% × (net income − threshold), never more than the year's OASkept = OAS for the year − repaidThe page values the year’s OAS at the October to December 2026 rate: $762.50 a month from 65 to 74 and $838.75 from 75. OAS rises with inflation each quarter, so the real figure will be a little higher.
With your numbers
- 15% of net income above the threshold, up to the whole year’s OAS
Quick reference
Uses the October to December 2026 OAS rate for the whole year; OAS rises with inflation each quarter.
| Example | OAS repaid for the year |
|---|---|
| $120,000, 2026, 70 | CA$3,701.55 |
| $100,000, 2026 | CA$701.55 |
| $150,000, 2025 | CA$8,481.90 |
| $160,000, 2026, 78 | CA$9,701.55 |
| $90,000, 2026 | CA$0.00 |
| $200,000, 2026 | CA$9,150.00 |
Where the numbers come from
The fixed figures this calculator relies on, and the published source each one was checked against. How the calculators are built and checked
3 sources
Canada.ca, OAS pension recovery tax, https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.html
Used for
- OAS recovery tax starts above this 2025 net income (July 2026 to June 2027 payments).
- OAS recovery tax starts above this 2026 net income (July 2027 to June 2028 payments).
Canada.ca, OAS pension recovery tax, https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.html: "You must repay 15%"
Used for
- OAS recovery tax: share of net income above the threshold.
ESDC, OAS quarterly payment amounts October to December 2026
Used for
- Maximum monthly OAS, ages 65 to 74, October to December 2026.
- Maximum monthly OAS, age 75 and over, October to December 2026.
Common questions about the OAS Clawback Calculator
- When does the OAS clawback start?
- When net income is above $93,454 for 2025, or $95,323 for 2026. Above that, you repay 15% of the income over the threshold, up to the whole pension.
- At what income is OAS clawed back completely?
- For 2026 income, at about $155,320 for ages 65 to 74 and $161,320 for 75 and over. Above those amounts you receive no OAS.
- How is it collected?
- Service Canada takes it from your monthly OAS payments in advance, based on your previous return, from July to the following June. It is reconciled when you file.
- How can I reduce the clawback?
- Anything that lowers net income helps: pension income splitting with a spouse, RRSP deductions before 72, drawing from a TFSA, which isn't income, and timing capital gains. Deferring OAS to 70 also raises the pension by 0.6% a month.