OAS Clawback Calculator (Canada)
Estimate when taxable income may trigger OAS recovery tax and how strategy changes can reduce the impact.
Preset opens as preview and does not overwrite your existing plan automatically.
What OAS clawback means
OAS clawback is a recovery tax applied when net income exceeds the annual threshold. If taxable income rises enough, part or all of OAS can be repaid.
In many plans, clawback appears when RRIF minimums and other taxable income stack up in later retirement years.
Common drivers of clawback risk
- Large RRSP/RRIF withdrawals in the same years as CPP/OAS
- RRIF minimum withdrawals after age 71
- Pension income layering with government benefits
- Lack of early withdrawal smoothing
Frequently asked questions
Does this use CRA clawback logic?
It uses planning-level clawback estimates based on published rules and thresholds. See Methodology for references.
Can delaying CPP reduce clawback?
Sometimes. It depends on how taxable income shifts across years. Compare scenarios to confirm.
Can RRSP meltdown reduce clawback?
It can in some plans by reducing late-life taxable income pressure. Results vary by profile.
Is this tax advice?
No. This is educational planning support only.
Why use the full planner?
This focused calculator looks at one part of retirement planning. The full Canadian Retirement Planner shows how CPP, OAS, pensions, taxes, RRIF withdrawals, and savings work together.
Related calculators
RRIF withdrawal calculator | RRIF minimum withdrawal calculator | Retirement tax calculator Canada | RRSP withdrawal strategy Canada
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