Old Age Security guide · Calculator

OAS clawback calculator

If your income is over the yearly threshold, you repay 15% of the amount above it. This is the OAS recovery tax, often called the clawback. Enter your net income to estimate yours.

Estimated repayment—

OAS clawback thresholds

Income yearRepaid duringClawback starts aboveFully recovered, 65 to 74Fully recovered, 75+
2024July 2025 to June 2026$90,997$148,451$154,196
2025July 2026 to June 2027$93,454$152,062$157,923
2026July 2027 to June 2028$95,323$155,320$161,320

How the clawback works

  • Subtract the threshold from your income for the year, then take 15% of the difference.
  • Example from Canada.ca: with 2025 income of $100,000, the amount over the threshold is $6,546, so the repayment is $981.90 for July 2026 to June 2027.
  • The amount is estimated from your return, divided by month and deducted from your OAS payments.
  • You report the repayment on line 23500 of your tax return.
  • The fully recovered amounts for the current year are estimates until October, when they become final.

This is an estimate, not an official calculation. The official chart is in CRA guide T4155. OAS payment dates

See what else you may qualify for

Seniors can often get provincial credits, drug coverage or dental care too. A free preview checks federal, provincial and some local programs for your household.

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Thresholds from Canada.ca, checked 2026-11-02. Canada.ca: OAS pension recovery tax. Nothing you enter here is sent to BenefitCanada.