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OAS Clawback Calculator 2026
Free OAS clawback calculator: the Old Age Security recovery tax (15% of net income over $95,323 for 2026 income), how much OAS you keep, the monthly amount held back and where all of it is clawed back.
Your income
OAS clawback (recovery tax)
$2,202
| Clawback threshold | $95,323 |
| Income over the threshold | $14,677 |
| Recovery (15% of the excess) | $2,202 |
| OAS you keep | $6,598 |
| Withheld each month | $183 |
| All OAS clawed back from | $153,990 |
2026 income sets the amounts held back from July 2027 to June 2028.
If your net income is over the threshold, you repay 15% of the excess, up to all of your OAS. Service Canada holds it back from your monthly payments the following July to June. To reduce it: split pension income with your spouse, withdraw from a TFSA (not taxable) instead of a RRIF, or spread withdrawals over more years.
Rules last checked October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: Canada.ca: OAS recovery tax
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
What is the OAS clawback threshold for 2026?+
$95,323 of net income for the 2026 income year; it affects payments from July 2027 to June 2028. For 2025 income it is $93,454.
How is the OAS clawback calculated?+
15% of your net income above the threshold, up to the full OAS you received.
Do TFSA withdrawals count?+
No. TFSA withdrawals aren't income, so they don't raise the clawback. RRIF and pension income do.