OAS Clawback 2026: Recovery Tax Thresholds Explained

If your net income is above the threshold, you repay 15% of the excess from your Old Age Security. For July 2026 to June 2027, the threshold is $93,454 (based on your 2025 income); OAS is fully clawed back at $152,062 for ages 65 to 74 and $157,923 for 75 and over.

Last verified November 8, 2026 How we check our facts

Thresholds

Income year	Repayment period	Minimum threshold
2025	July 2026 to June 2027	$93,454
2026	July 2027 to June 2028	$95,323

Example

With 2025 net income of $100,000: $100,000 − $93,454 = $6,546. 15% of that is $981.90 to repay for July 2026 to June 2027, deducted from monthly OAS payments (about $82 a month).

On your tax return

The repayment is calculated on your return and deducted as a social benefits repayment on line 23500.

Phone numbers

CPP and OAS (Canada and U.S.)

1-800-277-9914

Agents: Monday to Friday, 8:30 am to 4:30 pm local time. Automated: 24/7.

From outside Canada and the U.S.: 1-613-957-1954 (collect)

Government Benefits for Seniors in Canada: OAS, GIS, CPP and More The main federal benefits for seniors are Old Age Security (OAS), the Guaranteed Income Supplement (GIS) for lower-income OAS recipients, and the Canada Pension Plan (CPP) retirement pension. All are managed through Service Canada and My Service Canada Account. Pension Income Splitting in Canada: How It Works (Form T1032) You can move up to 50% of your eligible pension income to your spouse or common-law partner on your tax returns, which can lower your combined tax. Both of you complete and sign Form T1032 and file it with your returns by the deadline. You can choose a different percentage each year. CPP and OAS Payment Dates 2026 Remaining 2026 dates: November 26 and December 22. Canada Pension Plan and Old Age Security are paid on the same day each month, near the end of the month. December's payment comes early, on December 22.

Sources

OAS pension recovery tax (canada.ca) (canada.ca)
Repayment of OAS (canada.ca) (canada.ca)
Line 23500 social benefits repayment (CRA) (canada.ca)

North Help Desk is an independent guide, not a government website. Rules, amounts and phone hours can change; always confirm on the official page before you act. Spotted something out of date? Tell us.