OAS Clawback Calculator (2026)
Direct answer: The OAS recovery tax (clawback) repays 15% of your net world income above the threshold. For the 2026 income year that threshold is $95,323, and OAS is fully recovered at about $154,753 (ages 65-74) or $160,696 (75+). The clawback is divided by 12 and withheld from your monthly OAS. Enter your income and OAS above to see your exact recovery tax, the monthly reduction, and how much OAS you keep.
What is the OAS clawback threshold for 2026?
For the 2026 income year, the OAS recovery tax starts when net world income exceeds $95,323. Above that, you repay 15 cents of OAS per dollar of income.
How is the OAS clawback calculated?
Subtract the threshold from your net world income and multiply the excess by 15%. The result is your annual OAS recovery tax, capped at the OAS you receive.
At what income is OAS fully clawed back?
For 2026 income, OAS is fully recovered at about $154,753 for ages 65 to 74 and $160,696 for ages 75 and over.
How is the OAS clawback collected?
The annual recovery amount is divided by 12 and withheld from your monthly OAS payments in the following July-to-June period.
OAS Clawback Calculator (2026)
How is the OAS clawback calculated?
The Old Age Security (OAS) recovery tax, commonly called the clawback, reduces your OAS pension when your income is high. The formula is simple:
- Take your net world income for the year.
- Subtract the minimum income recovery threshold for that income year.
- Multiply the excess by 15%.
- That is your annual recovery tax, capped at the OAS you actually receive.
What are the OAS clawback thresholds?
The thresholds are indexed each year. The OAS you receive from July to June is reduced based on the previous calendar year's income, which is why the published figures differ by period.
| Income year | Clawback starts | Full clawback 65-74 | Full clawback 75+ |
|---|---|---|---|
| 2024 | $90,997 | $148,451 | $154,196 |
| 2025 | $93,454 | $152,062 | $157,923 |
| 2026 | $95,323 | $154,753 | $160,696 |
The 2026 amounts are CRA estimates until they are finalized between October and December 2026.
Why does the age-75 threshold differ?
Because Canadians aged 75 and over receive a higher maximum OAS pension, it takes more income to claw back all of it. That is why the maximum income recovery threshold is higher for the 75+ group. The minimum threshold where the clawback begins is the same for both age groups; only the income at which OAS is fully recovered differs. The calculator switches the threshold when you indicate your age.
How can I reduce the OAS clawback?
Several strategies can lower the recovery tax: splitting eligible pension income with a lower-income spouse, drawing from a TFSA (whose withdrawals are not income), timing RRSP/RRIF withdrawals, deferring OAS to age 70 for a larger but later pension, and realizing capital gains in lower-income years. To plan the income side, pair this with the RRIF minimum withdrawal calculator, the CPP & EI calculator, and the Canada take-home pay calculator.