Estimates only. Not financial advice. Rates based on Q2 2026. The clawback threshold is $93,454 (2025 income, affects Jul 2026 – Jun 2027 payments).

Your Information

Your current age

Annual net income — Line 23600 of your tax return

Age you started (or plan to start) OAS

Each year deferred past 65 increases your OAS by 7.2% (0.6%/month).

Your OAS Clawback Result

OAS Kept vs. Clawed Back

OAS you keep Clawback (recovery tax)

Plain-Language Summary

Generating your personalized summary...

→ See how this affects your full retirement plan

→ Check your GIS eligibility