Will I have to repay OAS (the clawback)?
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The OAS clawback, officially the OAS pension recovery tax, takes back part or all of your Old Age Security pension when your own net income is high. You repay 15% of your income above a yearly threshold. This check tells you whether the clawback is likely to affect you.
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Do you get Old Age Security (OAS), or will you start it soon?
The clawback only takes back OAS. It does not reduce your Canada Pension Plan (CPP) or Quebec Pension Plan (QPP).
What was your own net income in 2025?
Net income is the amount on line 23600 of your 2025 tax return. Count only your own income, not your spouse's or partner's. It includes CPP, work pensions and RRSP or RRIF withdrawals. If you live outside Canada, use your net world income. Your 2025 income sets the clawback from July 2026 to June 2027.
Are you 75 or older?
OAS rises by 10% at age 75, so there is more pension to take back. That means it takes a higher income before all of it is clawed back.
Was your own net income in 2025 $157,923 or more?
Likely not affected
The clawback likely does not affect you, because you do not get OAS.
Why
The clawback only takes back Old Age Security. It does not touch CPP or QPP payments. If you do not get OAS, there is nothing to repay.
What to do next
- If you are not sure whether you qualify for OAS, use our OAS check.
- If you start OAS later, come back to this check.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
First find out whether you get OAS.
Why
The clawback only applies to people who get Old Age Security. Whether you qualify for OAS depends on your age, your legal status and how long you have lived in Canada.
What to do next
- Use our OAS check to see whether you are likely to qualify.
- Or call the Service Canada OAS line at 1-800-277-9914, Monday to Friday, 8:30 am to 4:30 pm local time.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not affected
You are likely not affected by the clawback. You keep all of your OAS.
Why
Your 2025 net income was under the $93,454 threshold, so no OAS should be taken back from July 2026 to June 2027.
What to do next
- For 2026 income, the threshold is $95,323. It sets the clawback from July 2027 to June 2028.
- Watch for one-time income, such as a large RRSP withdrawal or selling investments at a big gain. It can push a single year over the threshold.
- Money you earn in or take out of a Tax-Free Savings Account (TFSA) does not count as income, so it does not affect OAS.
- If recovery tax is still being taken from your OAS because your income was higher in an earlier year, send Form T1213(OAS) to the Canada Revenue Agency (CRA) to ask for less to be withheld. Any extra withheld comes back to you when you file.
Your answers
More help
- Read our full guide: OAS clawback (recovery tax)
- Do I qualify for the Guaranteed Income Supplement (GIS)?
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely affected by the clawback
You are likely affected by the clawback: you repay part of your OAS.
Why
Your 2025 net income was over the $93,454 threshold. You repay 15% of every dollar above it. For example, with a 2025 net income of $100,000, you repay $981.90, about $81.83 taken from each monthly OAS payment from July 2026 to June 2027. You still keep the rest of your OAS.
What to do next
- Service Canada takes the recovery tax off your monthly OAS. The total withheld shows in box 22 of your T4A(OAS) slip. Tax software works out the final amount when you file.
- To lower what you repay, look at ways to lower your net income: pension income splitting with a spouse or partner (Form T1032), saving in a TFSA, and spreading RRSP or RRIF withdrawals over more years.
- If you expect your income this year to be lower, for example because you retired, send Form T1213(OAS) to the CRA to ask for less to be withheld.
- If you have not started OAS yet, ask whether delaying it, up to age 70, makes sense for you.
- Questions? Call the CRA at 1-800-959-8281, Monday to Friday, 8 am to 8 pm Eastern Time.
Your answers
More help
- Read our full guide: OAS clawback (recovery tax)
- Read our full guide: Delaying OAS and CPP
- Can I claim the age amount on my taxes?
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely affected by the clawback
You are likely affected by the clawback: you repay all of your OAS.
Why
For 2025 income, OAS is fully clawed back at $152,062 or more if you are 65 to 74, or $157,923 or more if you are 75 or older. At your income, you likely repay your whole OAS pension from July 2026 to June 2027. Your CPP or QPP is not affected.
What to do next
- If you have not started OAS yet, ask whether delaying it, up to age 70, makes sense. While your income is high, there is no OAS to claw back, and each later payment is larger.
- If you expect your income this year to be much lower, for example because you retired, send Form T1213(OAS) to the CRA to ask for less to be withheld.
- Ways to lower your net income include pension income splitting with a spouse or partner (Form T1032), saving in a TFSA, and spreading RRSP or RRIF withdrawals over more years.
- For 2026 income, the threshold is $95,323, and OAS is fully clawed back at $155,320 (age 65 to 74) or $161,320 (age 75 and over).
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
Your 2025 net income decides whether the clawback affects you.
Why
The clawback starts when your own net income is over $93,454 (2025 income). Below that, you keep all of your OAS. Above it, you repay 15% of the income over the threshold.
What to do next
- Find your net income on line 23600 of your 2025 tax return, or on your Notice of Assessment from the Canada Revenue Agency (CRA).
- Then run this check again.
- Or call the CRA at 1-800-959-8281, Monday to Friday, 8 am to 8 pm Eastern Time.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Where these rules come from
- Old Age Security pension recovery tax (Government of Canada)
- Old Age Security payment amounts (Government of Canada)
- Line 23500 – Social benefits repayment (Canada Revenue Agency)
- T1213(OAS) Request to Reduce Old Age Security Recovery Tax at Source (Canada Revenue Agency)
- Old Age Security: When to start your pension (Government of Canada)