OAS Clawback Calculator
Calculate your OAS recovery tax for 2025 or 2026 income: the amount you repay, the monthly holdback and your room before the clawback.
Want this number lower?
The Lower My Tax report takes these numbers, tests every legal way to cut the bill, and shows the saving of each in dollars, with what to do and by when.
The short version
- Enter your net income (line 23400) and age group. The calculator shows the OAS you repay, the amount held back from each payment, and how much room you have before the clawback starts.
- For 2026 income: 15% of net income over $95,323, up to all of your OAS. Held back from payments July 2027 to June 2028.
- Example: $110,000 of 2026 net income, age 68: repay $2,201.55, about $183 off each OAS payment.
- Leave the OAS box blank and it assumes a full year at the current maximum. Use box 18 of your T4A(OAS) for an exact figure.
- Nothing you type leaves your browser.
OAS Recovery Tax Calculator
The OAS clawback is one line of arithmetic that somehow fills a whole government guide. This calculator does the arithmetic. What it can't do is lower the number, but the second half of this page can help with that, and the OAS clawback guide has the full explanation.
What to Enter
| Box | Where to find it |
|---|---|
| Income year | The year the income was earned. 2026 income affects payments from July 2027. |
| Age | 65 to 74, or 75 and older (OAS is 10% higher from 75, so the full-clawback point is higher) |
| Net income | Line 23400 of your return. Not yet filed? Add OAS, CPP, pensions, RRIF payments, interest, grossed-up dividends and half your capital gains, then subtract RRSP deductions and pension amounts split to your spouse. |
| OAS received | T4A(OAS) box 18 |
Slips are explained on the T4A, and the dividend gross-up on dividends.
Want to see the clawback with a different plan?
Tell the assistant your income sources and your spouse's. It reruns this calculation with pension splitting, a smaller RRIF draw or a deferred OAS start so you can compare.
Reading the Result
- OAS to repay: goes on line 42200 of your return and is deducted on line 23500, so you aren't taxed on OAS you gave back.
- Taken off each payment: the monthly holdback for the July-to-June period that follows. Already held back more than this? You get it back when you file.
- Room before clawback: how much more net income you can have this year before losing any OAS. Useful for deciding how much RRIF to draw or how many shares to sell in December.
- All OAS gone at: above this, the clawback has taken everything; extra income only costs regular tax again.
Quick Fixes When You're Over
- Split eligible pension income with your spouse; see pension income splitting.
- Use any RRSP room you still have, up to the end of the year you turn 71; see the RRSP tax savings calculator.
- Take investment cash from a TFSA instead of a non-registered account or RRIF.
- Push a capital gain into January if this year is already over; see the capital gains calculator.
- Income fell this year? Form T1213(OAS) cuts the holdback.
CPP counts toward the threshold as well; see is CPP taxable? and the bigger picture on retirement taxes.
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Open calculator →OAS Clawback Calculator Questions
How do I calculate the OAS clawback?
Take your net income from line 23400, subtract the threshold for that income year ($95,323 for 2026), and multiply by 15%. The result, up to the total OAS you received, is the recovery tax.
When does the OAS clawback come off my payments?
Based on your income for a year, the recovery tax is held back from OAS payments for the July to June period that starts about 18 months later. 2026 income affects July 2027 to June 2028.
At what income is OAS fully clawed back?
For 2026 income, at $155,320 for ages 65 to 74 and $161,320 for 75 and older.
Does the OAS clawback include my OAS income?
Yes. Net income on line 23400 includes the OAS you received, along with CPP, pensions and all other income.
Is the OAS repayment tax-deductible?
Yes. The amount repaid is deducted on line 23500, so you are not taxed on OAS you returned.
Sources: Service Canada, OAS recovery tax; OAS payment amounts. Checked October 2026. Thresholds for the 2025 and 2026 income years are published; we add each new year when Service Canada does. The OAS assumed when the box is blank is twelve months at the current quarter's maximum, which is close to but not exactly a full year's payments.
Last reviewed October 5, 2026 against CRA and Government of Canada sources. How we check our facts.