OAS Calculator — Estimate Your Old Age Security Pension
Calculate your Old Age Security pension based on years of Canadian residence. See maximum payments clawback thresholds and GIS eligibility.
Old Age Security is a monthly payment available to Canadians aged 65 and older based on years of residence in Canada not employment or contributions. Full OAS requires 40 years of Canadian residence after age 18. Partial OAS is available with 10+ years of residence. The maximum monthly OAS payment in 2026 is approximately $727 (ages 65-74) and $800 (ages 75+). OAS is subject to clawback if your income exceeds approximately $90997.
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Key Information
| Parameter | Details |
|---|---|
| Maximum OAS (65-74) | $727/month approx (2026) |
| Maximum OAS (75+) | $800/month approx (2026) |
| Clawback Threshold | $90997 net income |
| Full OAS Requirement | 40 years Canadian residence after age 18 |
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Use Calculator NowFrequently Asked Questions
How much OAS will I receive?
Full OAS requires 40 years of residence in Canada after age 18. If you have less partial OAS is calculated as: years of residence / 40 x full amount. With 30 years: 30/40 x $727 = $545/month. With 20 years: 20/40 x $727 = $364/month. Minimum 10 years Canadian residence required to receive any OAS if living in Canada at the time of application.
What is the OAS clawback?
If your annual net income exceeds approximately $90997 (2026) OAS is reduced by 15 cents for every dollar above the threshold. Full clawback occurs at approximately $148000+ income meaning you receive no OAS. To minimize clawback: use TFSA withdrawals (not counted as income) time RRSP/RRIF withdrawals to stay below the threshold and split pension income with your spouse.
Can I defer OAS for a higher payment?
Yes you can voluntarily defer OAS for up to 5 years (until age 70). Each month of deferral increases your payment by 0.6% (7.2% per year). Deferring the full 5 years increases your monthly OAS by 36%. If the maximum at 65 is $727 deferring to 70 gives $989/month. This makes sense if you have other income sources and expect to live past approximately age 81.
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Last updated: March 2026