Investment · Retirement
OAS recovery tax calculator.
If your net income is high enough, you repay part of your Old Age Security — the “clawback.” See what you would owe and how much OAS you keep.
You repay 15 cents for every dollar of net income above the threshold — $93,454 for 2025 income, $95,323 for 2026 income — but never more than the OAS you received. OAS is fully repaid at $152,062 (2025, ages 65–74) if you receive the maximum.
Inputs
Result
Fill the form and press Calculate.
The published thresholds
| Income year | Repayment starts | Fully repaid (65–74) | Fully repaid (75+) |
|---|---|---|---|
| 2025 | $93,454 | $152,062 | $157,923 |
| 2026 | $95,323 | $155,320 | $161,320 |
How it works
The recovery tax is 15% of the amount by which your net income exceeds the threshold. Canada.ca's own example: $100,000 of 2025 income against the $93,454 threshold is ($100,000 − $93,454) × 15% = $981.90. The “fully repaid” incomes above apply to someone receiving the maximum OAS; with a smaller pension, the cap is reached sooner.
Why two thresholds? The CPP & OAS calculator uses $95,323, which is the 2026 income-year figure. This page's default is $93,454, the 2025 income-year figure (the year most people are filing or living through now). Pick the year in the form to match your situation.
Source, read 29 September 2026: canada.ca — "OAS recovery tax", Employment and Social Development Canada / Service Canada.
Frequently asked questions
What is the OAS clawback threshold?
$93,454 of net income for 2025 and $95,323 for 2026. Above it you repay 15% of the excess, up to the total OAS you received.
Can the clawback be more than my OAS?
No. The repayment is capped at the OAS you received, so at most you lose the whole pension.
Does deferring OAS change the threshold?
No. The threshold is the same, but a larger deferred pension means there is more OAS that can be repaid. See the OAS deferral calculator.
Estimate only
This tool applies the published 15% rate and thresholds to the figures you enter. It does not compute your net income, and it does not cover the separate rule for non-residents. Confirm your actual repayment with the CRA and Service Canada.