canada • CAD

CPP/OAS Clawback Calculator 2026

Free 2026 CPP/OAS Clawback Calculator. Estimate your OAS recovery tax, clawback amount, and remaining Old Age Security after income threshold. Plan retirement income to minimize clawback. CRA-aligned calculations.

Updated for 2026

By the GlobalCalqulate team, founded by Pavan Kusunuri · About our editorial standards

Personal Information

Current Age

Province / Territory

Retirement Benefits

Annual OAS Benefit

Annual CPP Income

Retirement Income Sources

RRSP Withdrawals

RRIF Withdrawals

Employer Pension Income

Employment Income

Interest / Dividend Income

Taxable Capital Gains

Monthly OAS After Clawback

CAD 750.00

based on total net income of CAD 12,000.00

Total Net Income

CAD 12,000.00

OAS Clawback Threshold

CAD 90,997.00

Income Above Threshold

CAD 0.00

OAS Recovery Tax

CAD 0.00

OAS After Clawback

CAD 9,000.00

Monthly OAS After Clawback

CAD 750.00

✓ Reviewed and updated for accuracy using current official rates and widely accepted formulas.

Key Tips

✓
Large RRIF withdrawals can significantly increase OAS clawback.
✓
Capital gains may push income above the recovery tax threshold.
✓
Splitting eligible pension income may help reduce clawback exposure.
✓
Tax-efficient withdrawal strategies can preserve more OAS benefits.

Help & FAQs

Frequently Asked Questions

Clear answers to common questions to help you use this calculator confidently.

What's OAS clawback?

Tap to view the answer

If your net income exceeds ~$91,000, OAS benefits are reduced by 15% of excess income. Complete clawback occurs above ~$140,500.

How can I reduce clawback?

Tap to view the answer

Income splitting via RRSP, Spousal RRSP, or TFSA withdrawals can reduce income and minimize clawback.

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How to Use This Calculator

Enter retirement income

Add CPP, pension income, RRSP/RRIF withdrawals and other taxable income.

Review total net income

The calculator combines all taxable income sources used for OAS recovery tax calculations.

Check clawback impact

See whether your income exceeds the annual OAS recovery tax threshold.

Plan withdrawals

Experiment with RRSP/RRIF withdrawals to reduce OAS clawback exposure.

Understanding Your Results

OAS Recovery Tax
Higher-income seniors may repay part or all of their Old Age Security benefit when income exceeds the annual threshold.
Net Income
The income amount used by CRA to determine OAS clawback eligibility.
Income Above Threshold
The portion of income that triggers the OAS recovery tax calculation.
Remaining OAS
The amount of OAS you keep after any recovery tax reduction.

Understanding the OAS Clawback – Protect Your Retirement Income

What Is the OAS Recovery Tax (Clawback)?

The Old Age Security (OAS) recovery tax, commonly called the 'clawback', requires higher‑income seniors to repay part or all of their OAS pension when their net income exceeds a certain threshold. For 2026, the threshold is projected to be around $90,997. For every dollar of income above this limit, 15% is repaid to the government, effectively reducing or eliminating the OAS benefit. This calculator helps you estimate your clawback and plan ahead.

How Is Net Income Calculated for OAS Clawback?

The CRA uses your 'net income before adjustments' (line 23400 of your tax return) to determine OAS eligibility. It includes CPP payments, pension income, RRSP/RRIF withdrawals, employment income, net investment income, and taxable capital gains. Notably, OAS benefits themselves are not included in this income for clawback purposes. Understanding what counts helps you manage your income sources to stay below the threshold.

Strategies to Minimize the OAS Clawback

You can reduce the clawback by timing RRSP/RRIF withdrawals, using pension income splitting with a lower‑income spouse, delaying CPP and OAS to lower early‑retirement income, or maximizing TFSA withdrawals (which are tax‑free and don't count toward net income). This calculator lets you test different withdrawal amounts to see exactly how they affect your OAS.

Pension Income Splitting and the Clawback

Up to 50% of eligible pension income can be allocated to a spouse or common‑law partner. This can lower your net income and potentially keep you below the OAS threshold. The calculator doesn't automatically split, but you can manually adjust your income inputs to see the impact of a hypothetical split.

RRSP vs. RRIF Withdrawals – Plan Before You Convert

Once you convert your RRSP to a RRIF, minimum annual withdrawals are mandatory and increase with age. Large mandatory withdrawals can push you over the OAS threshold. Use this calculator to model different RRIF withdrawal scenarios and decide if it's better to draw down RRSPs earlier, convert later, or use a combination with TFSAs.

CPP/OAS Clawback Calculator 2026

Personal Information

Retirement Benefits

Retirement Income Sources

Key Tips

Frequently Asked Questions

What's OAS clawback?

How can I reduce clawback?

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CPP Self-Employed Calculator

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Mortgage Calculator

Canada Child Benefit Calculator

First-Time Home Buyer Planning Calculator

Personal Information

Retirement Benefits

Retirement Income Sources

How to Use This Calculator

Understanding Your Results

Key Tips

Understanding the OAS Clawback – Protect Your Retirement Income

What Is the OAS Recovery Tax (Clawback)?

How Is Net Income Calculated for OAS Clawback?

Strategies to Minimize the OAS Clawback

Pension Income Splitting and the Clawback

RRSP vs. RRIF Withdrawals – Plan Before You Convert

Example OAS Clawback Calculation

How to Use This Calculator

Understanding Your Results

Understanding the OAS Clawback – Protect Your Retirement Income

What Is the OAS Recovery Tax (Clawback)?

How Is Net Income Calculated for OAS Clawback?

Strategies to Minimize the OAS Clawback

Pension Income Splitting and the Clawback

RRSP vs. RRIF Withdrawals – Plan Before You Convert

Example OAS Clawback Calculation

Personal Information

Retirement Benefits

Retirement Income Sources

Key Tips

What's OAS clawback?

How can I reduce clawback?

Related Calculators

CPP Retirement Calculator

OAS Calculator

CPP Self-Employed Calculator

Capital Gains Tax Calculator

Dividend Income Calculator

Income Tax Calculator

Mortgage Affordability Calculator

Mortgage Calculator

Canada Child Benefit Calculator

First-Time Home Buyer Planning Calculator

Personal Information

Retirement Benefits

Retirement Income Sources

How to Use This Calculator

Understanding Your Results

Key Tips

Understanding the OAS Clawback – Protect Your Retirement Income

What Is the OAS Recovery Tax (Clawback)?

How Is Net Income Calculated for OAS Clawback?

Strategies to Minimize the OAS Clawback

Pension Income Splitting and the Clawback

RRSP vs. RRIF Withdrawals – Plan Before You Convert

Example OAS Clawback Calculation

How to Use This Calculator

Understanding Your Results

Understanding the OAS Clawback – Protect Your Retirement Income

What Is the OAS Recovery Tax (Clawback)?

How Is Net Income Calculated for OAS Clawback?

Strategies to Minimize the OAS Clawback

Pension Income Splitting and the Clawback

RRSP vs. RRIF Withdrawals – Plan Before You Convert

Example OAS Clawback Calculation