OAS Clawback Calculator 2025
Calculate how much of your Old Age Security pension will be clawed back based on your income.
OAS Clawback Assistant
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- Income split with spouse
- Use TFSA (withdrawals don't count)
- Defer CPP to reduce early income
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).
Disclaimer: OAS amounts are adjusted quarterly based on the Consumer Price Index. The amounts shown are estimates for 2025. Consult Service Canada for exact amounts.