OAS · Free calculator
On $100,000 of income, the OAS clawback takes back $981.90 a year.
How much of my OAS pension goes back if my income is over the threshold? Enter your income year, net world income, and age.
What counts as income here
The recovery tax runs on your net world income on your tax return for the year, not your OAS payment itself. The CRA looks at the income year first, then deducts the repayment from your OAS payments starting the following July, through the June after that. A 2025 income year, for example, is recovered from payments July 2026 to June 2027; each income year has its own threshold and its own recovery period.
You never repay more than you received
Fifteen per cent of a big enough excess would run past what OAS actually paid you. So once your income clears the full-recovery level for your age, the repayment above stops at the most the recovery tax can take for that age, and the calculator says the entire pension is recovered.
RRSP withdrawals count, TFSA withdrawals do not
An RRSP or RRIF withdrawal is income on your tax return, so it counts toward this test. A TFSA withdrawal is never taxable income, so it never counts. The size and timing of an RRSP withdrawal changes how much of the year's income sits above the threshold above.
Written by Mo Kechout CRA figures verified