OAS CLAWBACK 2025 CALCULATOR
This OAS clawback calculator helps you estimate how much Old Age Security (OAS) may be reduced by the recovery tax based on your 2025 net income. Simply enter your age, income and OAS payment amount to see whether you are affected by the OAS security clawback and how much of your monthly benefit may be withheld.
Use this tool to understand your potential OAS clawback in 2025, calculate both monthly and annual recovery tax amounts, and see your net OAS payment after clawback. It provides a clear, quick way to assess how income levels impact OAS eligibility and helps you plan ahead for retirement cash flow.
OAS CLAWBACK CALCULATOR
Based on 2025 net income. OAS is clawed-back at 15% of the difference between your net income and the income threshold. OAS clawback typically applies to payments from
July 2026 to June 2027.
Disclaimer: All information shown is illustrative and estimates only. This information is not intended to be comprehensive investment, tax, financial or legal advice and should not be considered as personal investment advice, an offer, or solicitation to buy and/or sell investment products. Every effort has been made to ensure accurate information has been provided, however accuracy cannot be guaranteed. Tax rules and other factors change frequently. Past investment performance does not guarantee future results. The manager accepts no responsibility for individual decisions arising from the use or reliance on the information contained herein. Please consult a portfolio manager prior to making any investment decisions.