Old Age Security Calculator
Calculate Your Monthly OAS Payment
years
months
OAS increases by 0.6% for each month delayed after age 65 (up to 36% at age 70).
$
Enter your net income before adjustments, generally reported on line 23400 of your tax return.
years
How many years will you have lived in Canada since age 18 by the time you start receiving OAS?
Click "Calculate" to determine your potential earnings!
You could receive
from Old Age Security
Important: This calculator provides an estimate only using OAS payment rates for July to September 2026 and OAS recovery-tax thresholds based on 2025 income. Actual OAS benefits are determined by Service Canada based on your age, residence history, legal status, income, application details, and applicable legislation.
The estimate includes your initial OAS payment and the automatic 10% increase applied beginning at age 75. Any future OAS recovery tax continues to depend on your income during the applicable recovery period.
How to Use the OAS Calculator
Step 1: Enter the age at which you plan to start receiving OAS. You can begin OAS at age 65 or delay it until age 70 to receive a higher monthly payment.
Step 2: Enter your 2025 net world income, the number of years you have lived in Canada since age 18 by the time you start OAS, whether you will be living in Canada when OAS begins, and whether you meet the citizenship or legal-status requirement.
Step 3: Review your estimated monthly OAS payment. The estimate reflects your years of Canadian residence, any increase from delaying OAS, the automatic 10% increase at age 75, and any OAS recovery tax based on your annual income. It does not include GIS, the Allowance, the Allowance for the Survivor, or provincial and territorial benefits.
- Old Age Security (OAS) is a taxable monthly pension for eligible people aged 65 and older. Eligibility is based mainly on age, legal status, and residence in Canada, not on employment history or contributions.
- If you live in Canada, you generally need at least 10 years of Canadian residence after age 18. If you live outside Canada, you generally need at least 20 years. A social security agreement may help some applicants qualify.
- For July to September 2026, the maximum monthly OAS pension is $752 for ages 65 to 74 and $827 for ages 75 and older.
- Your payment may be lower if you receive a partial pension or are subject to the OAS recovery tax, and it may be higher if you delayed starting OAS after age 65.
- This calculator estimates OAS only. It does not estimate GIS or other federal, provincial, or territorial senior benefits.
What is Old Age Security?
Old Age Security (OAS) is a taxable monthly pension from the federal government for eligible people aged 65 and older. Unlike the Canada Pension Plan (CPP), OAS is not based on your employment history or how much you contributed while working. Eligibility depends on your age, citizenship or legal-residence status, and how long you have lived in Canada after age 18. If you qualify, you may receive a full or partial pension depending on your years of Canadian residence.
OAS vs. CPP
Old Age Security (OAS) and the Canada Pension Plan (CPP) are different retirement programs. OAS is primarily based on age and years lived in Canada after age 18, while CPP is based on employment earnings and CPP contributions made during your working years. Many retirees receive both benefits.
How Much is Old Age Security in Canada?
The maximum OAS pension depends on your age. People aged 75 and older receive an automatic 10% increase beginning in the month after their 75th birthday. Your actual payment may be lower if you receive a partial pension or are subject to the OAS recovery tax, and it may be higher if you delayed starting OAS after age 65.
Current OAS Maximums and CPI Adjustment
| Category | Amount |
|---|---|
| Effective period | July to September 2026 |
| Age 65 to 74 | $751.97 per month |
| Age 75 and older | $827.17 per month |
| Quarterly CPI adjustment | +1.2% |
How is the quarterly adjustment calculated?
OAS adjustments are based on the percentage change between the average Consumer Price Index (CPI) for the latest three-month period and the average CPI for the previous three-month period. If CPI rises, OAS rates increase by the same percentage. If CPI declines, OAS payments do not decrease.
Note: OAS rates are reviewed every January, April, July, and October. Payment rates increase when the CPI rises but do not decrease when the CPI falls.
The amount paid by Old Age Security changes each quarter, or four times per year, in January, April, July, and October, based on changes in the cost of living as measured by the Consumer Price Index (CPI). In other words, as the cost of living increases, so does your OAS pension. This makes Old Age Security inflation-adjusted, ensuring that your pension keeps up with the rising cost of living. Learn more about Canada's Consumer Price Index (CPI) and use WOWA's Inflation Calculator to measure the effects of inflation over time.
Old Age Security benefits cannot decrease if the CPI decreases. If the CPI decreases over the previous 3-month period, then your Old Age Security monthly payment amount will remain the same.
The Guaranteed Income Supplement (GIS) is a government benefit designed to supplement the income of low-income seniors. The GIS is available to those who receive the OAS pension and have an annual income below a certain threshold.
This calculator estimates the Old Age Security pension only. It does not estimate the Guaranteed Income Supplement (GIS), the Allowance, or the Allowance for the Survivor. Unlike the basic OAS pension, these income-tested benefits can depend on marital status and, where applicable, the combined income of spouses or common-law partners.
How is Old Age Security Calculated?
The OAS pension amount is determined by a combination of factors, including your age, income level, and number of years living in Canada. The formula for calculating your OAS pension takes into account the following:
- Your total years of residency in Canada after the age of 18
- Your income
- Your age
The Old Age Security Calculator on this page uses a formula to estimate your potential Old Age Security amount, giving you a better understanding of how much you can expect to receive in retirement. Below, we’ll examine how your Old Age Security payment amount is estimated.
Partial OAS Pension Based on Years in Canada
Your OAS pension is based partly on how many years you lived in Canada after age 18. If you currently live in Canada, you generally need at least 10 years of Canadian residence after age 18. If you currently live outside Canada, you generally need at least 20 years. You must also meet the applicable citizenship or legal-residence requirement.
A social security agreement between Canada and another country may help you meet the minimum residence requirement. However, your OAS amount is generally still calculated using your actual years of residence in Canada after age 18.
A full OAS pension generally requires 40 years of Canadian residence after age 18. If you qualify with fewer than 40 years, your partial pension is calculated at 1/40 of the full pension for each year of Canadian residence. Additional residence beyond 40 years does not increase the residence-based percentage above 100%.
The examples below use the maximum OAS rate for ages 65 to 74 for July to September 2026. They assume the person otherwise qualifies, starts OAS at age 65, and is not subject to the OAS recovery tax.
Old Age Security Monthly Payment by Canadian Residence
| Years Lived in Canada After Age 18 | Estimated Monthly Payment | Percentage of Full Pension |
|---|---|---|
| 10 | $187.99 | 25% |
| 20 | $375.99 | 50% |
| 30 | $563.98 | 75% |
| 40 | $751.97 | 100% |
| 45 | $751.97 | 100% |
Note: Social security agreements and certain periods working abroad for a Canadian employer can affect eligibility. Applicants with these circumstances should confirm their entitlement with Service Canada.
OAS Clawback and Income Thresholds
The second factor that can reduce your OAS payment is your net world income. If your income exceeds the applicable threshold, you generally repay 15% of the amount above the threshold through the OAS pension recovery tax. The applicable income year, recovery period, and current thresholds are shown in the table below.
The recovery tax can reduce part or all of your OAS payment. Annual recovery tax = 15% x (net world income - applicable threshold). The estimated monthly reduction is the annual recovery tax divided by 12.
Current OAS Recovery-Tax Figures and Example
| Category | Amount |
|---|---|
| Recovery period | July 2026 to June 2027 |
| Income year used | 2025 |
| Recovery begins above | $93,454 |
| OAS is fully recovered at approximately | $152,062 for ages 65 to 74; $157,923 for ages 75 and older |
| Example net world income | $100,000 |
| Income above the threshold | $6,546 |
| Estimated annual recovery tax | $981.90 |
| Estimated monthly recovery tax | $81.83 |
| Maximum monthly OAS used in example | $751.97 for ages 65 to 74 |
| Estimated monthly payment after recovery tax | $670.14 |
Note: For Canadian residents, net income before adjustments is generally based on line 23400 of the income tax return, subject to the adjustments required for the OAS repayment calculation. The actual recovery-tax amount is determined by the Canada Revenue Agency and Service Canada.
Delaying OAS Until Age 70
You can start receiving OAS at age 65 or delay the start until as late as age 70. Your pension increases by 0.6% for each month you delay after age 65, equal to 7.2% for each full year and a maximum increase of 36% at age 70. There is no additional increase for delaying OAS beyond age 70.
Using the July to September 2026 maximum for ages 65 to 74, delaying a $751.97 monthly pension for five years would increase it by 36% to approximately $1,022.68 per month at age 70.
OAS recipients also receive an automatic 10% increase in the month following their 75th birthday. This age-75 increase is separate from any increase earned by delaying the start of OAS.
Delaying OAS also delays access to the Guaranteed Income Supplement, and a spouse or common-law partner cannot receive the Allowance based on your OAS/GIS eligibility while your OAS is delayed. People who may qualify for GIS should consider this before delaying their pension.
Additional Benefits for Low-Income Seniors
Aside from the Old Age Security pension, there are other benefits that low-income seniors may qualify for, such as:
- Allowance: Available to individuals aged 60 to 64 with a spouse or common-law partner receiving OAS and an annual income below a certain threshold.
- Allowance for the Survivor: Available to individuals aged 60 to 64 who are a surviving spouse or common-law partner and have an annual income below a certain threshold.
- Guaranteed Income Supplement (GIS): A benefit available to low-income seniors also receiving Old Age Security.
Frequently Asked Questions About OAS
How much OAS will I receive each month?
Your monthly OAS payment depends on your age, when you start receiving OAS, how many years you lived in Canada after age 18, and your net world income. A full pension generally requires 40 years of residence in Canada after age 18, although some long-term residents may qualify under older rules. If you receive a partial pension, it is generally calculated as the number of years you lived in Canada after age 18 divided by 40. Income above the applicable recovery threshold can reduce your payment. Use the calculator above and the current OAS payment table for an estimate.
How many years must I live in Canada to receive OAS?
If you live in Canada when your OAS application is approved, you generally need at least 10 years of residence in Canada after age 18. If you live outside Canada, you generally need at least 20 years. A social security agreement with another country, or certain periods working abroad for a Canadian employer, may help you meet the eligibility requirement.
How does income affect OAS?
If your net world income exceeds the annual OAS recovery threshold, you must repay 15% of the amount above the threshold. The recovery tax is normally deducted from monthly OAS payments during the applicable recovery period. At a sufficiently high income, the entire OAS pension may be recovered. Income does not change the age or residence requirements, but it can reduce the amount you receive to zero.
Can I receive OAS while living outside Canada?
You can generally continue receiving OAS while living outside Canada if you lived in Canada for at least 20 years after age 18. You may also qualify through a social security agreement between Canada and another country. If you do not meet the requirement for payment abroad, your OAS may stop after you have been outside Canada for more than six months.
Does delaying OAS increase my monthly payment?
Yes. Your OAS pension increases by 0.6% for each month you delay it after age 65, up to a maximum increase of 36% at age 70. There is no additional increase for delaying beyond age 70. You cannot receive the Guaranteed Income Supplement while delaying OAS because GIS is available only to people receiving OAS.
Provincial and Territorial Benefits for Seniors
In addition to federal benefits, seniors may qualify for provincial or territorial income supplements, tax credits, property-tax assistance, prescription-drug coverage, home-support programs, and other benefits. Eligibility rules and payment amounts vary by jurisdiction and can change frequently. Check your provincial or territorial government's benefits directory for current programs, or see WOWA's separate guides to senior benefits where available. Below is a partial list of such benefits.
Alberta
- Seniors Financial Assistance Programs: In addition to the Alberta Seniors Benefit, the province offers programs such as Special Needs Assistance for Seniors and the Senior Property Tax Deferral Program.
British Columbia
- BC Seniors' Supplement: Provides a monthly payment to low-income seniors who receive the federal OAS and GIS.
- BC Home Owner Grant for Seniors: This program helps senior residents offset their property tax burden by providing an annual payment of up to $1,045. It aims to support elderly homeowners in managing their finances and maintaining their independence.
Ontario
- Ontario Guaranteed Annual Income System (GAINS): Provides additional income to low-income seniors who qualify for the federal GIS.
- Ontario Senior Homeowners' Property Tax Grant (OSHPTG): Receive up to $500 annually to help cover your property tax costs.
Quebec
- Senior Assistance Tax Credit: Provides financial assistance to low-income seniors receiving the federal GIS.
Manitoba
- Manitoba 55 PLUS Program: Offers quarterly benefits up to $161.80 for single seniors and $173.90 for couples, depending on their income level. This program is for low-income seniors aged 55 and over.
Nova Scotia
- Seniors Care Grant: Provides non-repayable financial assistance (up to $750 per household) to help low-income seniors aged 65 and over cover household services, healthcare costs, and home heating.
Saskatchewan
- Seniors Income Plan: This program provides a monthly benefit to eligible low-income seniors aged 65 and over.
New Brunswick
- New Brunswick Seniors’ Home Renovation Tax Credit: This credit provides financial assistance to eligible seniors for home renovations that improve accessibility or reduce safety risks.
Prince Edward Island
- Seniors Independence Initiative: Prince Edward Island offers several financial assistance options for seniors, including programs that help with housekeeping, maintenance, snow removal, grass cutting, and general living expenses for those with low incomes.
Newfoundland and Labrador
- Income Supplement and Seniors’ Benefit: The province offers the Newfoundland and Labrador Income Supplement and Seniors’ Benefit, which provides additional financial support to low-income seniors.
Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
- The calculators and content on this page are for general information only. WOWA® does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.