OAS Clawback Calculator

Old Age Security is clawed back at 15¢ per dollar of net income above $90,997, and fully eliminated at higher incomes. This free calculator shows your expected clawback and how strategies like TFSA withdrawals and pension income splitting can keep more of your OAS.

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How the OAS recovery tax works

For each dollar of net income above the $90,997 threshold, you repay 15¢ of OAS. Because the clawback is based on net income, tax-free TFSA withdrawals and income splitting with a lower-income spouse can meaningfully reduce it. Retirely models the clawback in every year of every scenario.

Ways to reduce OAS clawback

Draw tax-free TFSA income instead of RRIF income near the threshold.
Split eligible pension income with a lower-income spouse.
Consider an early RRSP meltdown before 65 to shrink future RRIF minimums.
Time CPP and OAS starts to smooth taxable income.

Frequently asked questions

At what income does OAS clawback start?

The OAS recovery tax begins once net income exceeds about $90,997 (the threshold used by Retirely). Above that, 15¢ of OAS is repaid per dollar of income until it is fully clawed back.

How can I avoid the OAS clawback?

Keep net income below the threshold by drawing tax-free TFSA income, splitting pension income with a spouse, melting down your RRSP before 65, and timing CPP/OAS. Retirely tests these strategies and shows the OAS you keep in each.