OAS clawback calculator
Enter your net world income to see how much of your Old Age Security pension the recovery tax takes back, per year and per payment.
Checked by Radif Partners · Editorial policy · Method
The OAS clawback takes 15 % of your net world income above $93,454 for 2025 income, and above $95,323 for 2026 income. Service Canada calls it the recovery tax. It does not touch the Canada Pension Plan or any other income: it is capped at the Old Age Security pension itself, so it can at most cancel the pension. The 2025 threshold governs the payments from July 2026 to June 2027, the 2026 threshold those from July 2027 to June 2028. Service Canada’s own example is a 2025 income of $100,000, which gives a repayment of $981.90 for the year, or about $81.83 withheld from each monthly payment. Service Canada’s table places the point where the pension is fully recovered at $152,062 of 2025 income for ages 65 to 74 and $157,923 at 75 or older; for 2026 income, the published cut-offs of $155,320 and $161,320 carry the estimate footnote. The amount actually withheld is the one on your Service Canada notice.
OAS recovery tax per year
$2,482
$206.83 withheld each month
| Threshold for this income year | $93,454 |
| Income above the threshold | $16,546 |
| Full OAS for the year (Oct.–Dec. 2026 rate) | $9,150 |
| OAS you keep | $6,668 |
15% of income above the threshold, capped at the pension itself. Estimate only: the CRA, Service Canada or your province sets the amount actually paid.
What the calculator computes
You enter your net world income (line 23400 of the return), choose the income year, 2025 or 2026, and say whether you are 75 or older. The tool applies 15 % to the income above the threshold of that year, caps the result at a full year of pension at the October to December 2026 rate, and shows the annual repayment, the monthly withholding and the pension you keep. The thresholds come from the Service Canada recovery tax page.
Worked cases, ages 65 to 74
| Net income | Repayment, 2025 income | Per month | Repayment, 2026 income |
|---|---|---|---|
| $95,000 | $231.90 | $19.33 | $0.00 |
| $100,000 | $981.90 | $81.83 | $701.55 |
| $110,000 | $2,481.90 | $206.83 | $2,201.55 |
| $125,000 | $4,731.90 | $394.33 | $4,451.55 |
| $140,000 | $6,981.90 | $581.82 | $6,701.55 |
| $150,000 | $8,481.90 | $706.82 | $8,201.55 |
The higher 2026 threshold lowers every repayment by the same amount, $280.35 a year, as long as the pension is not fully recovered. For the previous period, July 2025 to June 2026, the threshold was $90,997 on 2024 income and the pension vanished at $148,451 and $154,196.
Limits of the tool
The calculator caps the repayment at twelve payments of $762.50 (or $838.75 at 75 or older), so its zero point sits a little above Service Canada’s published cut-off, which is built on the maximum pension expected over the whole period. It assumes a full pension: with a partial pension or a deferred start, the cap changes and the OAS calculator gives the net amount. It does not estimate your net income for you: RRIF withdrawals, capital gains and pension income all feed it, as the guide on RRIF withdrawals shows.