OAS Clawback Calculator 2025
Calculate how much of your Old Age Security pension will be clawed back based on your income.
Your Information
Your total income from all sources before OAS clawback
OAS is 10% higher for those 75+
2025 OAS Thresholds
Enter your income to calculate OAS clawback
Strategies to Reduce OAS Clawback
- Income split with spouse (pension income splitting)
- Contribute to TFSA instead of RRSP (TFSA withdrawals don't count as income)
- Defer CPP to reduce income in early retirement years
- Plan RRSP/RRIF withdrawals strategically
Understanding the OAS Clawback (Recovery Tax)
The Old Age Security (OAS) pension recovery tax, commonly called the "OAS clawback," reduces your OAS benefits if your net income exceeds a certain threshold. For 2025, the clawback starts when your income exceeds $93,454.
How the Clawback Works
For every dollar your income exceeds the threshold, you must repay 15 cents of your OAS. This continues until your entire OAS benefit is repaid. For those aged 65-74, the complete clawback occurs at $151,668. For those 75+, it's$157,490 (because they receive 10% more OAS).
Important Timing Note
The clawback for OAS payments from July 2025 to June 2026 is based on your 2024 tax return. Plan ahead to manage your income in years before you start receiving OAS.
Disclaimer: OAS amounts are adjusted quarterly based on the Consumer Price Index. The amounts shown are estimates for 2025. Your actual OAS may vary. Consult Service Canada for exact benefit amounts.