Canada
CPP/OAS Clawback Calculator
Free Canada calculator designed to help users make accurate financial decisions using local standards.
Help & FAQs
Frequently Asked Questions
Clear answers to common questions to help you use this calculator confidently.
What's OAS clawback?
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What's OAS clawback?
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If your net income exceeds ~$91,000, OAS benefits are reduced by 15% of excess income. Complete clawback occurs above ~$140,500.
How can I reduce clawback?
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How can I reduce clawback?
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Income splitting via RRSP, Spousal RRSP, or TFSA withdrawals can reduce income and minimize clawback.
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