Estimate Your OAS Clawback and Optimize Your Retirement Income
The OAS Clawback Calculator is a free online tool that helps Canadian seniors estimate whether their Old Age Security (OAS) pension could be reduced because of higher income. As retirement benefits income increases, some or all of your OAS pension benefit may be subject to a recovery. This recovery or pension deduction is commonly known as the OAS Clawback.
This Old Age Pension Clawback Calculator provides a quick estimate of your potential reductions to your pension payments. It allows you to make more informed retirement and tax-planning decisions.
What Is the Old Age Security Pension Clawback?
The OAS Clawback is a government recovery system that gradually reduces OAS pension benefits for individuals whose annual net income crosses the fixed OAS income threshold. Rather than receiving the full pension amount, high-income seniors may have a portion of their OAS payments withheld. The amount recovered under the clawback system depends on your income from the previous tax year. Clawback is typically deducted from the next OAS payments over a 12-month period. Understanding your potential OAS Clawback can help you avoid surprises and better manage your retirement income.
How the OAS Clawback Calculator Works
Our OAS Clawback Calculator estimates your recovery tax by comparing your annual income against the applicable OAS threshold for the year. Simply, you just need to enter your annual net income, age category, and the estimated OAS entitlement. The calculator will then estimate:
If an OAS Clawback applies
Potentially OAS recovery amount
Estimated annual clawback
The impact on monthly OAS payments
Projected OAS benefit after deductions
Current OAS Clawback Thresholds: Income Year 2024 to 2026
The income level at which the OAS Clawback begins is adjusted periodically.
Recovery Period
Income Year
OAS Clawback Threshold
Jul 2025 – Jun 2026
2024
$90,997
Jul 2026 – Jun 2027
2025
$93,454
Jul 2027 – Jun 2028
2026
$95,323
If your income exceeds the applicable threshold, a portion of your OAS pension may be recovered. You must pay the OAS clawback if your yearly income exceeds the threshold and you live in a country where the non-resident tax on Canadian pension is 25% or more.
How to Use the OAS Clawback Calculator: Complete Guide
Step 1: Select Your Age Group
Choose the age category that applies to you (65 to 74 years or 75 years and Plus). Different age groups may have different OAS clawback thresholds for different income years.
Step 2: Choose the Income Year
Select the tax year you want to evaluate because the calculator uses the OAS recovery thresholds for the selected year to estimate your potential clawback.
Step 3: Enter Net World Income
Input your total net world income in CAD$ before any OAS deductions. This includes income earned both inside and outside Canada and is used to determine whether an OAS clawback applies.
Step 4: Confirm Residency Status
Select whether you are a Canadian resident or a non-resident. Residency status can affect how OAS recovery tax rules are applied.
Step 5: View Your OAS Clawback Estimate
Click the Calculate OAS Clawback Payment button to instantly see your estimated OAS clawback amount, the portion of your OAS pension that may be reduced, and your projected remaining OAS benefit after any recovery tax deductions.
Example OAS Clawback Calculation
Let's assume your yearly net income is $112,500 for income year 2024; then the OAS clawback threshold will be applicable at $90,997. Income above the threshold will be $112,500 minus $90,997, which equals $21,503. In this case, the estimated recovery tax will be $21,503 × 15% = $3,225.45. In this example, the estimated annual OAS Clawback would be $3,225.45, which could be deducted gradually from future OAS payments. This example is for educational purposes only, while actual OAS clawback may vary depending on individual circumstances and government calculations.
Importance of Using an OAS Clawback Calculator
Impact of Higher Income
AdditionalAdditional income from pensions, investments, employment, or retirement account withdrawals can affect your OAS benefits. The OAS Clawback Payment Calculator helps you see the potential impact before making financial decisions.
Enhance Retirement Planning
Knowing your estimated OAS Clawback can help you plan withdrawals and manage taxable income more effectively.
Avoid Sudden Benefit Reductions
Many retirees are surprised when their OAS payments decrease. Using a calculator in advance helps identify potential issues early.
Compare Different Income Strategies
Experiment with different income scenarios to understand how changes in retirement income could affect your OAS entitlement.
Income Sources That Can Trigger an OAS Clawback
Several forms of taxable income may increase your risk of an OAS Clawback, including:
Employment earnings
Self-employment income
CPP retirement benefits
Workplace pensions
RRSP withdrawals
RRIF withdrawals
Interest income
Dividend income
Capital gains
Rental property income
Foreign retirement income
Because the OAS Pension Clawback is based on total net income, even one-time income events can affect your benefits.
Make Smart Retirement Strategies With OAS Clawback Calculator
The OAS Clawback can have a meaningful impact on retirement income, particularly for seniors with multiple income sources. By understanding how your income affects your OAS entitlement, you can make more informed decisions and reduce the likelihood of unexpected benefit reductions. Use our OAS Clawback Calculator to estimate your potential recovery tax, evaluate different income strategies, and gain greater confidence in your retirement planning.
Because waiting until July to find out you owe money back is painful. This OAS clawback calculator shows you right now if your income exceeds the threshold ($93,454 for 2025) and how much of your OAS you will repay. No surprises when that recovery tax notice arrives.
This OAS recovery tax estimator is for seniors aged 65+ with higher incomes. Retirees with RRSP withdrawals, investment income, or part time work that pushes them over $93,454. If you receive OAS and have income above the threshold, this tool helps you figure out how much clawback to expect.
100% free. No sign up, no credit card, no hidden fees. This OAS clawback calculator works for any senior receiving OAS. It costs nothing to estimate your repayment amount, see how RRSP contributions could help, or check if deferring OAS makes sense for your situation.
No way. This OAS repayment calculator does not save or share anything. No name, no SIN, no income details. Your answers stay in your browser. We never see them and we never sell your data. Completely private.
Yes. This Canadian OAS clawback tool follows official CRA rules. That means the 15% recovery tax on income above $93,454 (2025 threshold), the 12 month deduction period from July to June, and the fact that clawback is reassessed annually based on your previous year's income. RRSP contributions can reduce your net income and potentially lower or eliminate clawback. It won't adjust your payments, but it tells you what to expect before tax season.
⚠️This tool is for information purpose only. We do not guarantee any claim. It is made based on data publicaly available on official website of concerned department.
Last Updated: March 2026 | Official Determination Required
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