OAS Clawback Calculator
Worried about the OAS clawback? Enter your income to estimate the Old Age Security recovery tax, see how much of your OAS you keep, and learn how to reduce it. Free, private, and nothing is saved.
OAS recovery tax, 2025 income year
$93,454
income threshold where the clawback begins
15%
of income above the threshold is repaid
$152,062
income where OAS is fully clawed back (ages 65 to 74)
Sources: Government of Canada
Your details
Use your net world income (line 23600), before the OAS deduction.
Defaults to the current maximum for your age. Lower it if you receive less.
Estimated OAS clawback
$982 / year
about $82 a month
Estimate for the 2025 income year (the July 2026 to June 2027 recovery period). The recovery tax is 15% of income above $93,454. Educational only, not tax advice. Confirm on the official OAS recovery tax page.
Want to reduce the clawback or understand OAS better? See how the recovery tax works and how to lower it in our Old Age Security guide, check every benefit your family may qualify for with the Benefits Finder, and if OAS is going toward care, see real costs in our directory.
What is the OAS clawback?
The OAS clawback, officially the Old Age Security pension recovery tax, applies when your net world income passes a set threshold. For the 2025 income year that threshold is $93,454. Above it, you repay 15 cents of OAS for every dollar of income over the line, until your OAS reaches zero (around $152,062 if you are 65 to 74, or $157,923 at 75 and older).
Most seniors are well below the threshold and never face the clawback. If your income is close to it, small moves can matter: splitting pension income with a spouse, drawing from a TFSA (which does not count as income) rather than a RRIF, timing capital gains, or deferring OAS can all help keep more of your pension.
For the full picture, including eligibility, payment amounts, and payment dates, see our Old Age Security guide, and the related Guaranteed Income Supplement and Canada Pension Plan guides. A licensed financial advisor can help you plan the timing.
Frequently asked questions
- What is the OAS clawback?
- The OAS clawback, officially the Old Age Security pension recovery tax, reduces your OAS when your net world income passes a threshold. For the 2025 income year that threshold is $93,454, and you repay 15 cents for every dollar of income above it, until your OAS reaches zero (around $152,062 at ages 65 to 74, or $157,923 at 75 and older).
- At what income does OAS get clawed back in 2026?
- For the July 2026 to June 2027 recovery-tax period, which is based on your 2025 income, the clawback starts once your net income is above $93,454. Below that there is no clawback. Most seniors are under the threshold and keep their full OAS.
- How is the OAS clawback calculated?
- It is 15% of your net world income above the threshold, capped at the OAS you receive so you never repay more than you got. For example, income of $103,454 is $10,000 over the $93,454 threshold, so the clawback is about $1,500 for the year, or roughly $125 a month.
- How can I reduce or avoid the OAS clawback?
- If your income is near the threshold, splitting eligible pension income with a spouse, drawing from a TFSA (which is not counted as income) instead of a RRIF, timing capital gains, and deferring OAS can all help. A licensed financial advisor can help you plan the timing for your situation.
- Is this calculator tax advice?
- No. It is an educational estimate using the published 2025 income-year figures. It does not account for every deduction or credit, so confirm the details on the official OAS recovery tax page and with a licensed advisor before acting.
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