Canada OAS Clawback Calculator 2026
Old Age Security (OAS) is a monthly benefit available to most Canadians aged 65+. For 2026, the maximum OAS is approximately $727/month (ages 65–74) or $800/month (age 75+). A clawback (recovery tax) of 15% applies when your net income exceeds approximately $90,997. Use this calculator to estimate your net OAS, clawback amount, GIS eligibility, and how deferring OAS affects your payments.
How the OAS Clawback Works
OAS: You qualify after 10 years of Canadian residence after age 18. The full pension requires 40 years (prorated at 1/40 per year). OAS is indexed quarterly to CPI. You can defer OAS from age 65 to 70 for a 0.6%/month increase (36% max). Clawback: The OAS recovery tax is 15% of net income above the threshold ($90,997 for 2026). It is collected through your income tax return (line 23500). At approximately $149,000 of income, all OAS is clawed back for the 65–74 age group. GIS: The Guaranteed Income Supplement provides up to ~$1,100/month for single low-income seniors, reduced by $0.50 per $1 of other income.
Canada OAS Clawback Calculator 2026 — Old Age Security
Free Canadian OAS clawback calculator. Estimate your Old Age Security payments, 15% recovery tax (clawback), GIS eligibility, and net retirement income.
OAS Clawback by Income Level
OAS, Clawback & GIS Breakdown
About OAS Clawback
The OAS clawback (recovery tax) is a 15% tax on net income above $90,997 (2026 threshold). It is collected through your annual tax return (line 23500). At approximately $149,157 of total income, all OAS is clawed back.