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OAS Clawback Calculator

↻ Updated 2026

Estimate the OAS recovery tax (clawback) — 15% of net world income above the annual threshold — and see how much Old Age Security you keep after the clawback.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
Net world income
Line 23400 net income before OAS adjustment
Annual OAS received
Default ~$8,700/yr
Clawback threshold (2026)
OAS recovery tax minimum income threshold
Net OAS after clawback
$7,718
$982 recovered
OAS clawback
$982
15% of income over threshold
Income over threshold
$6,546
Above $93,454
Clawback breakdown
Net world income$100,000
Clawback threshold$93,454
Income over threshold$6,546
Recovery tax (15% of excess)$982
OAS clawback (capped at OAS)− $982
Net OAS retained$7,718
OAS fully clawed back at$151,454
ASSUMPTIONS — The OAS recovery tax (clawback) reduces Old Age Security by 15% of net world income above the annual threshold (about $93,454 for 2026, editable above). OAS is fully eliminated once income reaches roughly $151,454 at the values entered. Figures are estimates for the stated benefit year; actual entitlement depends on your situation and region and excludes provincial supplements and GIS.

Runs entirely in your browser — nothing you enter is sent to us.How this works

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Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.