OAS Clawback Calculator
Find out how much Old Age Security you actually keep. See how the Recovery Tax reduces your OAS at different income levels and learn strategies to minimize the clawback.
Your Details
Your OAS Clawback
OAS Retained
92.1%
Above Threshold
$4,677
Net OAS Monthly
$684
Key Thresholds (2026)
Clawback Starts
$95,323
OAS Fully Clawed Back
$154,683
Your Income
$100,000
$4,677 above threshold
OAS Clawback by Income Level
| Net Income | Clawback | Net OAS | Retained |
|---|---|---|---|
| $85,000 | $0.00 | $8,904 | 100% |
| $90,000 | $0.00 | $8,904 | 100% |
| $95,000 | $0.00 | $8,904 | 100% |
| $100,000← you | −$702 | $8,202 | 92% |
| $105,000 | −$1,452 | $7,452 | 84% |
| $110,000 | −$2,202 | $6,702 | 75% |
| $115,000 | −$2,952 | $5,952 | 67% |
| $120,000 | −$3,702 | $5,202 | 58% |
| $125,000 | −$4,452 | $4,452 | 50% |
| $130,000 | −$5,202 | $3,702 | 42% |
| $135,000 | −$5,952 | $2,952 | 33% |
| $140,000 | −$6,702 | $2,202 | 25% |
| $145,000 | −$7,452 | $1,452 | 16% |
| $150,000 | −$8,202 | $702 | 8% |
| $155,000 | −$8,904 | $0 | 0% |
| $160,000 | −$8,904 | $0 | 0% |
| $165,000 | −$8,904 | $0 | 0% |
See your full retirement picture
Calculate total retirement income — CPP, OAS, RRIF & TFSA →How to Reduce OAS Clawback
Use TFSA withdrawals: TFSA income is completely tax-free and is not counted in your net income. Drawing from TFSA instead of RRIF keeps your net income lower and reduces or eliminates the clawback.
Defer OAS to age 70: If you have high employment income before retirement, deferring OAS avoids the clawback during your highest-income years — and increases your benefit by 36% (0.6%/month × 60 months).
Pension income splitting: If you have a spouse, you can split up to 50% of eligible pension income (RRIF, company pension). This shifts income to the lower-earning spouse and may bring both below the clawback threshold.
Time capital gains: The taxable portion of capital gains (50%) adds to net income. Realizing gains in lower-income years — or spreading dispositions across multiple years — helps stay below the threshold.
How it works: The OAS Recovery Tax (clawback) applies at 15 cents for every dollar of net income above $95,323 (2026). Your full OAS is clawed back at $154,683. Net income is line 23600 on your T1 return — it includes employment, pension, RRIF/RRSP withdrawals, rental income, and taxable capital gains, but excludes TFSA withdrawals.
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Related Calculators
- Retirement Income Calculator — Full retirement income with tax
- CPP & OAS Start Age — When to start collecting
- TFSA Calculator — Tax-free savings (not counted in net income)
- Income Tax Calculator — Federal and provincial tax