OAS Clawback Quick Check

Enter your projected annual net income and gross OAS entitlement to estimate your potential OAS recovery tax.

2026 estimate

Your annual amounts

Your projected annual net income for tax purposes. OAS itself is included in this income amount.

Enter your total expected OAS entitlement for the year before any recovery tax.

OAS recovery threshold$95,323
Recovery-tax rate15%

Don’t know your projected net income? You’ll need a more detailed income calculation before using this quick check.

Your estimate

OAS recovery-tax results

Below threshold
Remaining income room below threshold $95,323
Estimated annual OAS recovery tax$0.00
Estimated monthly OAS reduction$0.00
Estimated net annual OAS$0.00
Estimated net monthly OAS$0.00
Methodology and limitations

The estimate applies a 15% recovery-tax rate to projected net income above the 2026 threshold of $95,323. Estimated recovery tax is capped at the gross annual OAS amount entered.

This quick check does not calculate a full tax return, build projected net income from individual sources, determine OAS eligibility, or account for every tax adjustment or personal circumstance. Verify the applicable threshold, entitlement, and tax information before making decisions.