OAS recovery tax
OAS Clawback Calculator 2026
Work out how much Old Age Security you'll repay through the recovery tax, based on your net income.
Official 2026 rates, verified October 9, 2026
OAS clawback thresholds
| Income year | Recovery period | Threshold | Fully clawed back (65–74) | (75+) |
|---|---|---|---|---|
| 2024 | July 2025 – June 2026 | $90,997 | $148,451 | $154,196 |
| 2025 | July 2026 – June 2027 | $93,454 | $152,062 | $157,923 |
| 2026 | July 2027 – June 2028 | $95,323 | about $155,320 | about $161,320 |
Frequently asked questions
What is the OAS clawback threshold for 2026?
$95,323 of net world income for 2026, which affects OAS paid from July 2027 to June 2028. For 2025 income (payments July 2026 to June 2027), the threshold is $93,454.
How much OAS is clawed back?
15% of your net income above the threshold. For example, with 2025 income of $110,000 the clawback is 15% × $16,546 = $2,482 a year, about $207 a month.
At what income is OAS fully clawed back?
For July 2026 to June 2027, about $152,062 for ages 65 to 74 and $157,923 for 75 and over.
How can I reduce the OAS clawback?
Common approaches include pension income splitting with a spouse, drawing from a TFSA instead of an RRSP or RRIF, timing capital gains, and delaying OAS to age 70, which also raises the pension by 36%.
Payment dates: OAS payment dates 2026.
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All rates and amounts on this page are taken from official government sources, including the Canada Revenue Agency, Revenu Québec and provincial and territorial finance ministries. Last verified October 9, 2026.