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OAS Calculator Canada 2026

Free 2026 Canada OAS Calculator. Estimate Old Age Security pension, eligibility and income-based clawback. Plan retirement benefits with CPP, provincial taxes and all provinces.

Last revised 7 September 2026

By Team GlobalCalqulate · About our editorial standards

Personal Information

Current Age

Years Lived in Canada After Age 18

Province

Marital Status

How this estimate was calculated

This estimate uses the age 65-74 maximum of $751.97/month. From the month after you turn 75, OAS rises permanently by 10% to $827.17/month.

Financial Disclaimer: This result is an educational estimate produced by applying published rates and thresholds to the figures you entered. It is not a tax determination: your actual liability depends on circumstances this calculator does not collect. Confirm your position with the relevant tax authority or a qualified accountant before acting on it. Full disclaimer.

Sources & methodology

Formula:: See methodology below
Reference:: Government of Canada
Rates for:: 2026
Figures verified:: September 2026 — checked against the primary source above
Content last updated:: September 2026
Scheduled re-verification:: October 2026

Calculation type: Rule-based calculation. Uses 2026 rates and thresholds. Figures are taken from Government of Canada and Canada Revenue Agency — see sources below.

Reviewed by Team GlobalCalqulate — Verifies each figure against the issuing authority's published source · Checked 15 September 2026

Your entries stay on this device. This calculator runs entirely in your browser — the figures you type are not sent to us or to anyone else. The page itself uses cookies for analytics and advertising, described in the privacy policy.

Formula & methodology

Formula used

monthly OAS = max monthly OAS × min(residency years / 40, 1) × (1.36 if deferred to 70, else 1)
clawback = min(max(0, total income − threshold) × 15%, annual OAS)
net OAS = annual OAS − clawback

OAS is prorated by your years of Canadian residency after age 18 (full amount at 40+ years), boosted 36% if you defer to age 70, then reduced by the 15% recovery tax on any income above the clawback threshold.

Step-by-step calculation

1. Residency-adjusted OAS
Maximum monthly OAS × (your residency years ÷ 40, capped at 1).
2. Deferral boost
If you defer OAS to age 70, the amount is increased 36% (0.6% per month deferred, for 60 months).
3. Clawback
15% of total retirement income above the OAS recovery-tax threshold, capped at your full annual OAS benefit.
4. GIS estimate
An optional, simplified income-tested taper — not the CRA's exact GIS reduction table.

Limitations

The GIS estimate uses an approximate straight-line income taper rather than the CRA's published GIS rate table.
Assumes continuous Canadian residency; it does not model the Canada-country social security agreements that can affect partial-residency cases.

This page is educational. It applies published rates and thresholds to the figures you enter and shows the arithmetic behind the result. It is an estimate, not a tax determination: your actual liability depends on circumstances this calculator does not collect, and only the relevant tax authority — or an accountant who can see your full position — can confirm what you owe.

Sources & references

Old Age Security payment amounts — Government of Canada
Guaranteed Income Supplement – payment amounts — Government of Canada
CPP contribution rates, maximums and exemptions — Canada Revenue Agency
RRSPs and other registered plans for retirement — contribution limits — Canada Revenue Agency

Help & FAQs

Frequently Asked Questions

Clear answers to common questions to help you use this calculator confidently.

How do I qualify for OAS in Canada?

Tap to view the answer

You must be 65 or older and meet Canadian legal status and residency requirements. The amount you receive depends on how many years you lived in Canada after age 18 — full OAS requires 40 years of residency, with partial amounts prorated below that.

What is OAS clawback (recovery tax)?

Tap to view the answer

The OAS recovery tax repays 15% of your OAS benefit for every dollar of net income above the annual threshold, up to your full OAS amount. Income sources include CPP, workplace pensions, RRSP/RRIF withdrawals, and investment income — OAS itself is excluded from the calculation.

How does delaying OAS to age 70 affect my payment?

Tap to view the answer

Deferring OAS past 65 increases your payment by 0.6% for each month you wait, up to 36% more at age 70. This calculator lets you toggle the deferral to compare your monthly amount at 65 versus 70.

Does OAS differ by province?

Tap to view the answer

No. OAS is a federal program and the core benefit is identical across every province and territory. Provincial income tax on your total retirement income can still affect your net take-home amount and clawback exposure.

How is OAS different from CPP?

Tap to view the answer

CPP is a contributory pension based on your earnings and contributions during your working years. OAS is based mainly on age and years of Canadian residency, not employment history. Most retirees receive both as part of their retirement income.

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How to Use This Calculator

Enter age and residency history

Provide your age and the number of years you have lived in Canada after age 18.

Add retirement income sources

Include CPP, workplace pensions, RRIF withdrawals and other taxable income.

Review OAS eligibility

Estimate OAS entitlement based on residency and retirement status.

Check clawback impact

See whether higher retirement income could reduce OAS through the recovery tax.

Understanding Your Results

OAS Benefit
Old Age Security is a federal retirement benefit based primarily on age and residency rather than employment contributions.
Residency Requirement
The number of years lived in Canada after age 18 affects whether you receive partial or full OAS.
OAS Clawback
Higher-income retirees may repay part of their OAS through the OAS Recovery Tax.
GIS
Guaranteed Income Supplement may provide additional support for lower-income seniors receiving OAS.
Net OAS
The amount of OAS remaining after any clawback reductions.

Key Tips

✓
OAS eligibility is based mainly on residency, not CPP contributions.
✓
Delaying OAS beyond age 65 can increase monthly payments.
✓
RRIF withdrawals can increase OAS clawback exposure.
✓
TFSA withdrawals generally do not affect OAS clawback calculations.
✓
Combining CPP, OAS and GIS planning can improve retirement income efficiency.

Understanding Old Age Security

OAS is a residency pension, not an earnings pension

Old Age Security is entirely separate from the Canada Pension Plan. CPP is funded by contributions from your working life and reflects what you earned. OAS is funded from general tax revenue and reflects only how long you have lived in Canada.

You qualify at 65 with at least ten years of residence in Canada after age 18. A full pension requires 40 years of residence after 18; fewer years produce a proportional amount, so 20 years yields half. This means someone who never worked a day can receive full OAS, while a high earner who immigrated at 45 receives a partial amount. The two programmes answer completely different questions.

The amount, and the increase at 75

For the July to September 2026 quarter the maximum OAS is $751.97 a month for those aged 65 to 74. From the month after you turn 75, it rises permanently by 10% to $827.17 a month — an increase legislated in 2021 and paid since July 2022.

OAS is indexed quarterly to the Consumer Price Index, so the figure changes in January, April, July and October. It can rise but never falls, even if the index declines. The age-75 increase is automatic and applies to everyone receiving OAS, including those on a partial pension, where it scales with their residency fraction.

The recovery tax, and how the clawback actually works

If your net income exceeds a threshold, OAS is reduced by 15 cents for every dollar above it. For the 2026 income year that threshold is $95,323. At sufficiently high income the pension is eliminated entirely.

Two details cause confusion. First, it is based on net income before adjustments, which includes RRIF withdrawals, CPP, pension income, interest, and the grossed-up amount of Canadian dividends — that gross-up can push someone over the line on income they never actually received. Second, there is a timing lag: the reduction applied to your July 2026 to June 2027 payments is based on your 2025 income, so a one-off spike affects the following year's payments.

Deferring OAS past 65

You can delay OAS by up to five years, gaining 0.6% for each month deferred — 7.2% a year, or 36% if you wait until 70. That increase is permanent and indexed.

Deferral is worth considering if you are still working at 65, since your income may trigger the recovery tax anyway, or if you have longevity in the family. The break-even point is typically around age 84: live past that and deferring wins. Deferring also means five years without payments, so it only makes sense if you have other income. Note that you cannot defer the Guaranteed Income Supplement, and deferring OAS makes you ineligible for GIS during the deferral.

The Guaranteed Income Supplement

GIS is a non-taxable monthly payment for low-income OAS recipients, worth up to about $1,123 a month for a single senior. It is a significant amount, often larger than OAS itself.

GIS is reduced by 50 cents for every dollar of other income, excluding OAS. That is an effective 50% clawback, and it is why RRSP and RRIF withdrawals can be so costly for low-income seniors — the withdrawal is taxed and also reduces GIS, producing a combined effective rate that can exceed 70%. There is an earnings exemption for employment and self-employment income specifically: the first $5,000 is fully exempt with a partial exemption on the next $10,000. For anyone likely to qualify for GIS, TFSA savings are far superior to RRSP savings.

Applying, and living outside Canada

Many people are automatically enrolled and receive a notification letter the month after turning 64. If you do not receive one, you must apply — do not assume enrolment. Applying six months before you want payments to begin is advisable.

If you leave Canada, OAS continues indefinitely only if you lived here at least 20 years after 18. Otherwise payments stop after six months of absence and resume on your return. GIS stops after six months abroad in all cases. Canada also has social security agreements with many countries that let you count residence or contributions abroad toward the ten-year minimum, which can make an otherwise ineligible person eligible.

Formula & methodology

Formula used

monthly OAS = max monthly OAS × min(residency years / 40, 1) × (1.36 if deferred to 70, else 1)
clawback = min(max(0, total income − threshold) × 15%, annual OAS)
net OAS = annual OAS − clawback

Step-by-step calculation

1. Residency-adjusted OAS
Maximum monthly OAS × (your residency years ÷ 40, capped at 1).
2. Deferral boost
If you defer OAS to age 70, the amount is increased 36% (0.6% per month deferred, for 60 months).
3. Clawback
15% of total retirement income above the OAS recovery-tax threshold, capped at your full annual OAS benefit.
4. GIS estimate
An optional, simplified income-tested taper — not the CRA's exact GIS reduction table.

Limitations

The GIS estimate uses an approximate straight-line income taper rather than the CRA's published GIS rate table.
Assumes continuous Canadian residency; it does not model the Canada-country social security agreements that can affect partial-residency cases.

Understanding Old Age Security

OAS is a residency pension, not an earnings pension

The amount, and the increase at 75

The recovery tax, and how the clawback actually works

Deferring OAS past 65

You can delay OAS by up to five years, gaining 0.6% for each month deferred — 7.2% a year, or 36% if you wait until 70. That increase is permanent and indexed.

The Guaranteed Income Supplement

GIS is a non-taxable monthly payment for low-income OAS recipients, worth up to about $1,123 a month for a single senior. It is a significant amount, often larger than OAS itself.

Calculator inputs

Personal Information

Retirement Income Sources5 options

OAS Planning2 options

Your results

Sources & methodology

Formula & methodology

Formula used

Step-by-step calculation

Limitations

Sources & references

How do I qualify for OAS in Canada?

What is OAS clawback (recovery tax)?

How does delaying OAS to age 70 affect my payment?

Does OAS differ by province?

How is OAS different from CPP?

Related calculators

More Canada calculators

Calculator inputs

Personal Information

Retirement Income Sources5 options

OAS Planning2 options

Your results

Sources & methodology

How to Use This Calculator

Example: Age 65, full residency history

Understanding Your Results

Key Tips

Understanding Old Age Security

OAS is a residency pension, not an earnings pension

The amount, and the increase at 75

The recovery tax, and how the clawback actually works

Deferring OAS past 65

The Guaranteed Income Supplement

Applying, and living outside Canada

Formula & methodology

Formula used

Step-by-step calculation

Limitations

Sources & references

How to Use This Calculator

Example: Age 65, full residency history

Understanding Your Results

Key Tips

Understanding Old Age Security

OAS is a residency pension, not an earnings pension

The amount, and the increase at 75

The recovery tax, and how the clawback actually works

Deferring OAS past 65

The Guaranteed Income Supplement

Applying, and living outside Canada