Will the OAS clawback hit you in 2026?
Enter your expected net income and see the recovery tax in dollars, using the 2026 threshold of $95,323 and the same 15% rule the TruePath engine applies.
Uses the same 2026 CRA rules as the TruePath engine. Rules current as of January 2026.
Line 23400 of your tax return: pensions, CPP, OAS, RRIF withdrawals, interest and the rest. TFSA withdrawals do not count.
The math: $100,000 minus the $95,323 threshold is $4,677, and 15% of that is $702.
The OAS clawback is a federal rule, the same $95,323 threshold and 15% rate in every province and territory.
What this quick tool leaves out
This checker uses your estimate of one year's net income. Your real exposure depends on every future year's income, which withdrawals create that income and what pension splitting could move to a spouse. TruePath runs that math across your whole retirement.
Questions people ask
What counts as net income for the OAS clawback?
The figure on line 23400 of your tax return: RRIF and RRSP withdrawals, pensions, CPP, OAS itself, employment income, interest, the taxable half of capital gains and grossed-up dividends. TFSA withdrawals do not count.
Is the clawback calculated per person or per household?
Per person. Each spouse is tested individually against the $95,323 threshold, so a couple can have almost double that in combined income with no clawback at all.
When would I actually feel the clawback?
Through smaller monthly OAS deposits during the recovery period that runs from July of the following year through June, once your tax return shows income over the threshold.
Can I reduce the clawback?
The common levers are spending from a TFSA instead of taking extra RRIF withdrawals, splitting eligible pension income with a spouse, spreading large withdrawals across tax years and deferring OAS. Each has trade-offs, which is why seeing your own numbers matters.
This was the quick version. See it on your real accounts.
TruePath runs these rules across every year of your retirement, after tax, for both spouses, and explains the result in plain English. Fourteen days free.