OAS Clawback 2026 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, 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
Disclaimer: All information shown is illustrative and for general educational purposes only. Results are estimates and do not account for all variables. This information is not intended to be comprehensive investment, tax, financial, or legal advice, and should not be considered personal investment advice, an offer, or a solicitation to buy or sell investment products. Every effort has been made to ensure the information is accurate; however, accuracy cannot be guaranteed. Tax rules and other factors change frequently, and past performance does not guarantee future results. Investing involves risk, including the potential loss of principal. Hemisphere Capital Management Inc. accepts no responsibility for decisions made in reliance on this information. Please consult a portfolio manager before making any investment decisions. This information is intended for residents of Canada and may not apply in other jurisdictions.
What Should You Explore Next?
Understanding your OAS clawback is only one part of retirement income planning. Explore the decisions that often come next.
Could Delaying OAS Increase Your Lifetime Income?
See how starting OAS later may affect your lifetime retirement income.
How Much Should You Withdraw From Your RRIF?
Explore how RRIF withdrawal decisions may affect taxes and your OAS benefits.
Should You Delay CPP?
Compare different CPP start ages to see how timing can affect your retirement income strategy.
Learn More About Managing Retirement Income
Understanding your OAS clawback is only the start. Download the guide to learn which decisions continue to shape your retirement income — and how they can influence your OAS recovery.
Or explore our other guides.
Need Help Managing Your Retirement Income?
Managing your retirement income is often about coordinating withdrawals, taxes, government benefits, and investments. Not just trying to reduce your OAS clawback.
Learn how Hemisphere helps clients build retirement income strategies designed around their long-term goals.
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