Old Age Security Calculator
Calculate OAS pension benefits, GIS supplements, and income-based clawbacks
Your Situation
40 years gives the full pension. 10–39 years gives a partial pension of 1/40th per year (minimum 10 years if living in Canada).
Each month of deferral adds 0.6%, up to 36% at age 70 (60 months).
Recovery tax starts above $93,454. Affects OAS payments from July 2026 to June 2027.
Maximum amounts for the July–September 2026 quarter (next quarterly indexation 2026-10-01). OAS and GIS are indexed to CPI every January, April, July and October, so they change four times a year.
Results
Net Monthly OAS Pension
After recovery tax — $9,023.64 per year
Gross Monthly OAS
40/40 of the maximum
Monthly Recovery Tax
15% of income over $93,454, spread monthly
OAS is taxable income. The recovery tax is normally withheld from monthly payments during the recovery period (July to June) that follows the income year. This is an estimate — Service Canada's OAS Benefits Estimator gives a personalized figure.
OAS & Canadian Retirement Guide
Overview / Aperçu
Canadian financial and tax calculations must account for both federal and provincial regulations. The Oas Calculator provides region-specific estimates for Canada / Canada.
Why Use This Calculator / Pourquoi utiliser cette calculatrice
Accurate calculations ensure compliance with regulations, proper financial planning, and informed decision-making across Canada's complex federal-provincial system.
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Frequently asked questions
How accurate are these Canadian calculations? / Quelle est la précision de ces calculs canadiens ?
Our calculators use current CRA guidelines and provincial rates. Results are estimates for planning purposes. Consult a tax professional for complex situations. / Nos calculatrices utilisent les directives actuelles de l'ARC et les taux provinciaux. Les résultats sont des estimations à des fins de planification. Consultez un professionnel fiscal pour les situations complexes.
Do calculations differ by province? / Les calculs diffèrent-ils selon la province ?
Yes, provincial tax rates, health premiums, and some benefit calculations vary significantly between provinces and territories. / Oui, les taux d'imposition provinciaux, les primes d'assurance-santé et certains calculs d'avantages varient considérablement entre les provinces et territoires.