Canada Old Age Security (OAS) Clawback Calculator
Estimate the Old Age Security (OAS) recovery tax (commonly called the “OAS clawback”) for Canada. Calculates 15% recovery on net world income above the OAS threshold and includes fields to adjust for the threshold year.
- Page updated:
- Jan 3, 2026
- Tool version:
- v1.1.0
Overview
This calculator estimates the Old Age Security (OAS) recovery tax (commonly called the OAS "clawback") under Canadian rules.
It computes the recovery as the specified recovery rate (default 15%) applied to net world income above the year-specific recovery threshold. Use the official CRA/Finance Canada threshold for the tax year you are assessing.
Results
Is Recovery Applied?
1
Estimated OAS Recovery (Clawback)
$463.20
How to read the result
- What it means
- The displayed value is an estimate based on your inputs. It represents the calculated scenario under current assumptions, not a guaranteed amount.
- Next step
- Use the result as a starting point. Adjust parameters to compare scenarios and validate with a professional when needed.
- Calculation limits
- The model uses simplified formulas and cannot account for all variables in your specific case (local regulations, personal conditions, temporal changes).
Methodology
The OAS recovery tax is applied to net world income above an annual threshold. The standard recovery rate is 15% of the excess income.
This calculator takes three inputs: net world income, the applicable OAS recovery threshold for the tax year, and the recovery rate. It then computes the amount recoverable: max(0, (net_income - threshold) * recovery_rate).
This tool provides an estimate only. It does not replace CRA calculations or official tax filing. If your net income is close to the threshold, small differences in reported income or allowable deductions can materially change the recovery amount.
Glossary+−
- OAS Recovery Threshold
The annual net income level above which the OAS recovery tax applies. The government publishes this threshold each year.
- Net World Income
Total income from all sources (Canada and abroad) after allowable deductions, used by CRA to determine OAS recovery.
- Recovery Rate
The proportion of income above the threshold that is recovered (default 15%).
- OAS Recovery (Clawback)
The amount of OAS benefits that must be repaid because net world income exceeds the recovery threshold.
Key takeaways
Estimate the OAS recovery tax by entering your net world income, the official recovery threshold for the tax year, and the recovery rate (default 15%).
For authoritative guidance, use CRA and Government of Canada publications and consult a tax professional for complex situations.
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Savings & InvestmentWorked examples
Example 1 — No recovery applies
Net income is below the recovery threshold.
Interpretation
No OAS recovery applies because net income is below the threshold.
Example 2 — Recovery applies
Net income exceeds the threshold; recovery is 15% of the excess.
Interpretation
Estimated recovery: (90,000 - 86,912) * 0.15 = 463.20 CAD.
Example 3 — Higher income
Shows scaling of recovery with higher incomes.
Interpretation
Estimated recovery: (120,000 - 86,912) * 0.15 = 4,591.2 CAD. Note: OAS payments are capped and in practice the recovery cannot exceed the OAS received for the year.
Frequently asked questions
What is net world income for OAS purposes?
Net world income is your total income from all sources worldwide, after allowable deductions. The CRA defines the components used when determining OAS recovery; consult CRA guidance for exact inclusions/exclusions.
Where can I find the official threshold for a given year?
The Government of Canada and CRA publish the OAS recovery threshold annually. Use the official value for the tax year you are assessing; this calculator allows you to enter a custom threshold.
Does this calculator determine the actual OAS benefit amount?
No. This tool estimates the recovery tax only. It does not calculate OAS entitlement or monthly OAS payments. For benefit amounts, consult Service Canada.
Sources & references
- Government of Canada — Old Age Security (OAS) recovery tax (clawback): https://www.canada.ca/en/revenue-agency/services/benefits/publications/old-age-security-oas.html
- Canada Revenue Agency — Guide and tax information (net world income definitions): https://www.canada.ca/en/revenue-agency.html
- Department of Finance Canada — Pension and seniors policies: https://www.fin.gc.ca
Quality & oversight
- Author
- Ugo Candido, MBA
- Maintained by
- Ugo Candido, MBA
- Page updated
- Jan 3, 2026
- Tool version
- v1.1.0