Tools · Canada · 2026
OAS clawback calculator
Old Age Security is recovered at 15 cents for every dollar of net income over $95,323 in 2026, until nothing is left. What most calculators miss is that net income is not what lands in your bank: eligible dividends count at 138% of what you received, and the OAS itself is in the total. This one runs the real return.
Your year
What another $10,000 would cost you
Income tax plus OAS recovery, by where the money comes from.How the recovery tax is worked out
One year tells you where you stand. Thirty tell you what to do about it.
The full planner runs this same engine every year of retirement — against your RRIF drawdown, your TFSA, pension splitting with your spouse, and the year you start each pension — so you can see which sequence keeps the most OAS.