2026 OAS Clawback Calculator
Estimate Old Age Security recovery tax from net income and test how different retirement-income sources affect the result.
Clawback Active
Old Age Security clawback is active. CRA will reclaim 15% of every dollar of net income above $95,323.
Income Inputs (2026)
Calculated with 38% Gross-up multiplier.
Enter the amount from your Service Canada notice; quarterly maximums and partial pensions vary.
2026 Income-Year Screening Result
Recovery Tax (Clawback)
$1,451.55
Net OAS Remaining
$7,548.45
OAS Benefit Squeeze16.1% Lost
THRESHOLD ($95,323)CAP: OAS ENTERED ABOVE
Income interaction
Each additional $1,000 of net income above the threshold can add $150 of recovery tax until the entered OAS amount is fully recovered. Ordinary income tax is separate, and account or income-planning decisions require a full tax comparison.
Verify current recovery-tax thresholds and repayment rules with the Government of Canada OAS recovery tax guide.