Inputs
OAS recovery estimate
Enter assumptions and click Calculate to estimate potential OAS recovery tax and retained OAS.
Summary
Click Calculate to view the estimate.
Chart
Gross OAS, clawback, and retained OAS
Estimate details
OAS recovery summary
| Income year | Age group |
Net income used for recovery |
OAS amount |
Recovery threshold |
Income above threshold |
Recovery rate |
Estimated recovery tax |
Net OAS retained |
|---|
Assumptions and disclosure
Tax year: 2026. Assumptions are simplified and should be verified before use.
This is a simplified educational estimate. OAS recovery tax is generally based on net income above the applicable threshold using prior income information.
For a payment year, the first half of payments may reflect income from two years earlier, while the latter half may reflect the previous year's income. This calculator simplifies the timing by asking for the income amount used for the recovery calculation.
Thresholds, OAS amounts, and recovery rules may change over time. This tool does not model all tax credits, deductions, pension splitting, GIS, survivor benefits, residency eligibility, or detailed benefit rules.
Verify current government information and consult qualified professionals before making planning decisions.