OAS Calculator
Canada 2026
Estimate your Old Age Security pension from the three things that actually set it: years lived in Canada, the age you start, and your income. Maximum $762.50 a month at 65–74 and $838.75 at 75+ for the October–December 2026 quarter — but only with 40 years of residence.
Read the full answer — method, rates and figures
Quick answer: The maximum Old Age Security pension is $762.50 a month at ages 65 to 74 and $838.75 at 75 and over for the October–December 2026 quarter — $9,150 and $10,065 a year. Your actual pension is that rate × (years lived in Canada after 18 ÷ 40) × (1 + 0.6% per month deferred past 65).
A full pension needs 40 years of Canadian residence; with 25 years you receive $476.56 a month. You need at least 10 years to receive OAS while living in Canada, or 20 years while living abroad.
OAS cannot start before 65 — unlike CPP, there is no early option — but deferring to 70 adds 36%, taking the maximum to $1,037.00 a month. A 10% increase applies automatically from the month after your 75th birthday.
Net world income above $93,454 triggers the recovery tax at 15% of the excess, and OAS is fully recovered at $152,062 (65–74) or $157,923 (75+) on a full pension — sooner on a partial one, because there is less to recover. OAS is re-indexed quarterly, so any amount quoted without its quarter is incomplete.
Sources: Service Canada, Old Age Security (canada.ca); Income Tax Act §180.2.
OAS cannot start before 65 — unlike CPP, there is no early option. Each month of delay adds 0.6%, to 36% at 70. Nothing accrues after 70.
Only time in Canada after your 18th birthday counts. 40 years earns the full pension.
Residence keeps counting right up to the day OAS begins, then stops for good — so deferring can raise your residence fraction as well as applying the deferral increase.
Your estimated OAS
$762.50 / month
$9,150 a year
Last reviewed 7 October 2026 by the Richify AI agent team.
Reviewed by Felix, Richify's AI CFO — an AI author, presented as one.
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Track my retirement incomeHow it works
Old Age Security is Canada's residence-based public pension. Unlike the Canada Pension Plan it has nothing to do with what you earned or contributed — eligibility and amount both come from how long you have lived in Canada after age 18. It is funded from general tax revenue, and you can receive it having never worked a day.
Three factors set the amount, and this calculator applies all three in the order Service Canada does:
Residence. A full pension requires 40 years in Canada after 18. Fewer years pay a partial pension of years ÷ 40. There is a hard floor of 10 years to receive anything while living in Canada, or 20 years while living abroad.
Start age. OAS cannot begin before 65 — there is no early option, which is the main way it differs from CPP. Delaying adds 0.6% per month up to 36% at 70, and nothing after that.
Income. Net world income above $93,454 triggers the recovery tax, which takes 15¢ per dollar of the excess until the whole pension is gone.
The formula
Monthly OAS = the published rate for your age band × (residence years ÷ 40) × (1 + 0.6% × months deferred). At the October–December 2026 rates the band rate is $762.50 for ages 65 to 74 and $838.75 from 75. The engine reproduces Service Canada's own published deferral table to the cent at every age from 65 to 70, which is how it is checked rather than asserted.
Why the amount changes four times a year
OAS is re-indexed to the Consumer Price Index every January, April, July and October — payments never fall when the index does. That makes "OAS in 2026" an incomplete statement: there are four different 2026 amounts. Every figure on this page is the October–December 2026 amount and is superseded in January 2027.
Two "current" monthly amounts, and which one belongs where
The recovery tax runs a year behind the payment, so the amount used to cap it is the average OAS across the recovery period ($732.60 a month at 65 to 74 for July 2026 – June 2027), not the current quarter's $762.50. Both are correct and they answer different questions. Using this one is why our full-recovery arithmetic lands exactly on Service Canada's published $152,062 and $157,923: $93,454 + ($732.60 × 12) ÷ 0.15 = $152,062.
Primary sources: Employment and Social Development Canada / Service Canada, Old Age Security — eligibility, How much you could receive and When to start your retirement pension (canada.ca), read 10 September 2026; Service Canada Old Age Security pension recovery tax table, re-read 7 October 2026; Canada Revenue Agency recovery-tax thresholds; Income Tax Act §180.2; Old Age Security Act. Amounts are the October–December 2026 quarter. This is an estimate for planning, not a determination of entitlement — Service Canada decides your actual pension, and its own Benefits Estimator can use your record of residence.
How much OAS will I get? Full and partial pension by years in Canada
A full pension needs 40 years in Canada after age 18. Below that the pension is simply prorated — years ÷ 40 of the maximum — with nothing at all below 10 years if you live in Canada. The last column is the one no published table shows: because the recovery tax stops once it has taken back all the OAS you were due, a smaller pension is fully clawed back at a LOWER income than the national $152,062 figure everyone quotes.
Two rules decide the row you are on. The 40-year rule: only 40 years of residence after your 18th birthday earn the full pension, and years beyond 40 add nothing. The 10-year rule: below 10 years you get nothing while living in Canada (20 years if you live abroad). In between, every year is worth $19.06 a month at 65–74 and $20.97 from 75. The OAS estimator above runs the same arithmetic on your exact years and start age.
| Years in Canada | Monthly, 65–74 | Monthly, 75+ | Fully recovered at |
|---|---|---|---|
| 10 / 40 | $190.63 | $209.69 | $108,106 |
| 15 / 40 | $285.94 | $314.53 | $115,432 |
| 20 / 40 | $381.25 | $419.38 | $122,758 |
| 25 / 40 | $476.56 | $524.22 | $130,084 |
| 30 / 40 | $571.88 | $629.06 | $137,410 |
| 35 / 40 | $667.19 | $733.91 | $144,736 |
| 40 / 40 (full) | $762.50 | $838.75 | $152,062 |
October–December 2026 rates: $762.50 at 65–74 and $838.75 at 75+ (the automatic 10% increase), starting at 65 with no deferral. A full pension is $9,150 a year at 65–74. The final column (ages 65–74) is $93,454 + (annual OAS at the recovery-period rate ÷ 0.15); at 40/40 it reproduces Service Canada's published $152,062 exactly. For what retirees actually receive rather than the maximum, see the average OAS payment at 65, 70 and 75.
OAS clawback in 2026: the threshold, the 15% recovery and full-clawback income
The OAS recovery tax takes 15% of every dollar of net world income above a threshold, and it runs a year behind: the OAS paid from July 2026 – June 2027 is tested against your 2025 income, so $93,454 is the threshold that applies to the cheques arriving now. Your 2026 income is tested against $95,323 and reduces the OAS paid from July 2027 – June 2028. Service Canada publishes both rows:
| OAS paid (income year) | Clawback starts | All gone, 65–74 | All gone, 75+ |
|---|---|---|---|
| July 2026 – June 2027 (2025) | $93,454 | $152,062 | $157,923 |
| July 2027 – June 2028 (2026) | $95,323 | $155,320 | $161,320 |
Worked example. A 67-year-old with a full pension and $110,000 of 2025 net world income is $16,546 over the threshold, so the recovery tax is 15% × $16,546 = $2,481.90 for July 2026 – June 2027. Service Canada withholds it monthly — about $206.83 — which leaves roughly $555.68 of the $762.50 October–December 2026 maximum. On a 20-year (half) pension the same income still leaves some OAS, because that pensioner's own full-clawback point is about $122,758, not $152,062. CPP, RRSP and RRIF withdrawals all count toward net world income; TFSA withdrawals do not. Model your own income on the OAS clawback calculator.
Source: Service Canada, "Old Age Security pension recovery tax" (canada.ca), read 7 October 2026 — the 2026 income-year maxima are final (Service Canada finalises them each October).
OAS at 65 vs 70: what deferring is actually worth
Every month you delay past 65 adds 0.6% — 7.2% a year, 36% in total by 70. Nothing accrues after 70, so there is no reason to wait longer. These are the maximum amounts for a full 40-year pension in the October–December 2026 quarter, and they match Service Canada's own published table row for row.
| Start age | Increase | Monthly | Annual |
|---|---|---|---|
| 65 | — | $762.50 | $9,150 |
| 66 | +7.2% | $817.40 | $9,809 |
| 67 | +14.4% | $872.30 | $10,468 |
| 68 | +21.6% | $927.20 | $11,126 |
| 69 | +28.8% | $982.10 | $11,785 |
| 70 | +36.0% | $1,037.00 | $12,444 |
The part most calculators miss: if you have fewer than 40 years of residence and you keep living in Canada, deferring pays twice. Your residence years carry on accumulating until the pension starts — Service Canada is explicit that additional time in Canada stops counting only once payments begin. Someone with 30 years at 65 who stays and defers to 70 arrives with 35 years AND the 36% increase: $571.88 a month becomes $907.37, a gain of 59% rather than 36%.
Deferring is the wrong call in two cases. If you qualify for the Guaranteed Income Supplement, you cannot receive it without OAS, so waiting forfeits both. And if you live outside Canada with fewer than 20 years of residence in a country with no social security agreement, delaying produces no increase at all.
OAS and CPP side by side
They are paid on the same day each month, as two separate payments (see the CPP and OAS payment dates 2026), and are constantly confused, but almost every rule differs. The practical consequence: your CPP depends on your career and your OAS depends on your address history, so two people with identical work records can receive very different totals.
| Old Age Security | Canada Pension Plan | |
|---|---|---|
| Based on | Years lived in Canada after 18 | Contributions from earnings |
| Funded by | General tax revenue | Employee + employer contributions |
| Earliest start | 65 — no early option | 60, permanently reduced |
| Latest start | 70 (+36%) | 70 (+42%) |
| Maximum | $762.50/mo (October–December 2026) | $1,507.65/mo at 65 (2026) |
| Indexed | Quarterly | Once a year, in January |
| Clawed back? | Yes, above $93,454 | Never (but taxable, and counts toward the OAS clawback) |
| Boost at 75 | +10% automatically | None |
Estimate the other half of your public pension with the CPP calculator, see what the recovery tax takes at your income on the OAS clawback calculator, compare your total against what Canadians aged 65 and over actually live on with average retirement income and average CPP payment by age, and check what the CRA schedule will force out of your RRIF from 71 — the income that most often triggers the clawback — with the RRIF minimum withdrawal calculator.
How to use this calculator
- Enter the age you plan to start OAS. It cannot be earlier than 65; anything up to 70 adds 0.6% per month of delay, and past 70 nothing more is added.
- Enter your years of residence in Canada after age 18, as they stand today. Time before 18 does not count, and neither does time spent outside Canada (unless a social security agreement applies).
- Say whether you will keep living in Canada until your pension starts. If you will, the calculator adds those years to your residence total — they count right up until the pension begins, then stop counting for good.
- Choose whether you will be living in Canada or abroad when you receive it. The minimum residence needed is 10 years in Canada but 20 years abroad, so the same history can qualify in one case and not the other.
- Enter your expected annual net world income. Above $93,454 the recovery tax takes 15 cents per dollar, and the result shows both your gross pension and what is left after it.
- Read the breakdown: the credited residence years, the partial fraction out of 40, the deferral increase, and the income at which YOUR pension would be fully recovered — which is lower than the published national figure whenever you have fewer than 40 years.
❓ Frequently Asked Questions
How much OAS will I get in 2026?
The maximum Old Age Security pension for the October–December 2026 quarter is $762.50 a month at ages 65 to 74, and $838.75 a month at 75 and over — $9,150 and $10,065 a year. Those are MAXIMUMS, not defaults.
You receive the full amount only if you have lived in Canada for at least 40 years after turning 18. With fewer years you receive a partial pension of years divided by 40 — 25 years of residence pays $476.56 a month.
Two further adjustments apply: starting later than 65 raises the amount by 0.6% for each month you wait, and net world income above $93,454 triggers the recovery tax that claws part of it back. OAS is re-indexed to the cost of living four times a year, so an amount quoted without its quarter is incomplete — these figures are the October–December 2026 amounts and change again in January 2027.
How much OAS will I get with 20 or 30 years in Canada?
OAS is prorated by your years of residence in Canada after age 18, divided by 40. At the October–December 2026 rates, 10 years pays $190.63 a month at 65 to 74, 20 years pays $381.25, 30 years pays $571.88 and the full 40 years pays $762.50.
From 75 the same fractions apply to the higher rate: $209.69, $419.38, $629.06 and $838.75. Below 10 years there is no pension at all while you live in Canada (20 years if you live abroad).
These figures assume you start at 65; deferring adds 0.6% a month.
What is the OAS clawback threshold for 2026?
For the OAS being paid from July 2026 – June 2027, the recovery tax starts at $93,454 of 2025 net world income and takes 15% of every dollar above it. A full pension is entirely clawed back at $152,062 (65 to 74) or $157,923 (75 and over).
Your 2026 income is tested against the next threshold, $95,323, and governs OAS paid from July 2027 – June 2028; its full-clawback incomes are $155,320 and $161,320. Example: $110,000 of 2025 income means repaying $2,481.90 over the year, about $206.83 a month.
Can I start OAS at 60 like CPP?
No. This is the single most common misconception about Canada's two public pensions, and the two programs genuinely differ. The Canada Pension Plan can start as early as age 60, at a permanently reduced amount.
Old Age Security cannot start before age 65 under any circumstances — there is no early-OAS option, reduced or otherwise. OAS only moves in the other direction: you may defer it up to age 70, gaining 0.6% per month of delay, to a maximum of 36% at 70.
Deferring past 70 adds nothing, so there is never a reason to wait beyond your 70th birthday. The reason the two differ is structural: CPP is a contributory earnings-based pension funded by payroll contributions, while OAS is a residence-based benefit paid from general tax revenue and tied to how long you have lived in Canada, not to whether you ever worked.
How does residence in Canada affect my OAS amount?
OAS is a residence-based pension: the amount depends on how long you lived in Canada after age 18, not on your earnings or contributions. A full pension needs 40 years.
Below that you receive a partial pension equal to your years divided by 40 — so 20 years pays exactly half, $381.25 a month at the October–December 2026 rate. There is a floor: you need at least 10 years of Canadian residence after 18 to receive OAS while living in Canada, or at least 20 years to receive it while living abroad.
Below the floor the pension is zero rather than small. If you have lived and worked in a country that has a social security agreement with Canada, that time can often be counted toward meeting the minimum — though it does not usually increase the amount itself.
This is why OAS matters so much to Canadians who immigrated as adults: someone who arrived at 40 and retires at 65 has 25 years, and receives $476.56 a month rather than the headline maximum.
Should I delay OAS to 70 if I have fewer than 40 years of residence?
This is the case where deferral pays twice, and most calculators miss the second half of it. Delaying raises the pension by 0.6% a month, 36% in total at 70.
Separately, your residence years keep accumulating until the pension actually starts — Service Canada states that once you start receiving OAS, additional time living in Canada no longer increases the payment, which means the years before you start still count. So someone with 30 years of Canadian residence at 65 who stays in Canada and defers to 70 arrives with 35 years AND the 36% increase: $571.88 a month becomes $907.37, a rise of 59% rather than the 36% the deferral alone would give.
Canada.ca lists having fewer than 40 years of residence as one of its stated reasons to consider delaying. Two situations where deferring is the wrong call regardless: if you qualify for the Guaranteed Income Supplement you cannot receive it without OAS, so deferring costs you both; and if you are living outside Canada with fewer than 20 years of residence in a country with no social security agreement, delaying will not produce higher payments.
At what income is OAS fully clawed back?
Service Canada publishes $152,062 for ages 65 to 74 and $157,923 for 75 and over, on 2025 net world income. But those figures assume a FULL 40-year pension, and that is the detail worth knowing: the recovery tax takes 15 cents per dollar of income above $93,454 and stops once it has recovered all the OAS you were due — so the less OAS you receive, the sooner it is gone entirely.
A partial pensioner with 20 years of residence has half the OAS to recover and is fully clawed back at about $122,758, not $152,062. The calculator on this page computes your own threshold from your own residence and start age.
One technical note that explains why our arithmetic matches Service Canada's published pair to the dollar: the recovery formula uses the average OAS across the recovery period ($732.60 a month at 65 to 74), not the current quarter's $762.50. Both numbers are current; they answer different questions.
Do I get more OAS at age 75?
Yes, automatically. Since 1 July 2022 the OAS pension increases by 10% the month after your 75th birthday — from $762.50 to $838.75 a month at the maximum, or $9,150 to $10,065 a year.
You do not apply for it and it is not a one-off payment; the higher rate simply continues for life and is indexed alongside the base rate every quarter. If you receive a partial pension the 10% applies to your partial amount, so the increase scales with what you already get.
The higher rate also raises the income at which your OAS is fully recovered, which is why Service Canada publishes a separate and higher full-recovery threshold for the 75-and-over band ($157,923 against $152,062). One thing the increase does not do: it has no effect on your Guaranteed Income Supplement, which is calculated separately and is not reduced by the 10%.
What is the difference between OAS and CPP?
They are separate programs that are easy to confuse because both arrive monthly from the federal government in retirement. CPP is a contributory pension: you pay into it from employment or self-employment earnings, and the amount reflects what you contributed over your working life.
The maximum CPP retirement pension at 65 for benefits starting in January 2026 is $1,507.65 a month, and most people receive considerably less than the maximum because it requires near-maximum contributions for most of a career. It can start as early as 60 or as late as 70.
OAS is a residence-based benefit: you qualify by having lived in Canada, not by having worked or contributed, it is paid from general tax revenue, it cannot start before 65, and its maximum for the October–December 2026 quarter is $762.50 a month. Two further practical differences: OAS is re-indexed quarterly while CPP is adjusted once a year each January; and OAS is subject to the recovery tax above $93,454 of net income while CPP is never clawed back, though it is taxable and counts toward the income that claws back your OAS.
Is OAS taxable, and does it count for GIS?
OAS is taxable income and must be reported on your return; tax is not withheld by default, though you can ask Service Canada to withhold it, which many pensioners do to avoid a balance owing each April. It also counts toward the net world income that drives the recovery tax on your own OAS.
The Guaranteed Income Supplement is a different matter: GIS is a non-taxable monthly benefit for low-income OAS pensioners, worth up to $1,138.90 a month for a single, widowed or divorced pensioner in the October–December 2026 quarter, and it phases out entirely at roughly $23,112 of annual income excluding OAS. GIS is tested on income other than OAS itself, and it is re-assessed every July from the previous calendar year's tax return, so filing on time matters even in a year with little income.
Critically, you cannot receive GIS without receiving OAS — which is what makes deferring OAS the wrong choice for anyone who qualifies for the supplement, however attractive the 36% deferral increase looks in isolation.
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Further Reading
Your OAS is one line of your retirement income. See all of it.
Richify puts your RRSP, TFSA, RRIF, pensions and property in one number, and projects the net income that decides how much OAS you actually keep — while you can still do something about it.
Track my retirement incomePlan your retirement income with RichifyPlan with Richify
OAS, CPP, RRSP and property in one number