OAS Clawback Calculator Canada 2026

Estimate how much Old Age Security you'll lose to the recovery tax in 2026. Pair with our CPP calculator, RRIF minimum calculator, and pension splitting calculator.

How to reduce the OAS clawback

• Split pension income with your spouse — up to 50% of eligible pension income, lowering Line 23400 of the higher-income spouse.
• Draw down RRSPs earlier — between retirement and age 65 — so RRIF withdrawals after 72 are smaller.
• Use TFSA withdrawals — they are not income for OAS clawback purposes.
• Time capital gains across calendar years to stay under the $90,997 threshold each year.
• Donate appreciated securities — eliminates capital gain entirely while generating a charitable credit.
• Delay OAS to age 70 — grows benefit by 36% (0.6%/month past 65); clawback math still applies but on a larger base.

Frequently Asked Questions