OAS Calculator Canada — Estimate Your Monthly Old Age Security Payment
Free OAS calculator for Canada. Estimate your Old Age Security pension based on years of residence.
Old Age Security (OAS) is a monthly pension available to most Canadians aged 65 and older. Unlike CPP it is based on years of Canadian residence — not employment contributions. Full OAS requires 40 years of residence in Canada after age 18. Partial OAS is available with 10 or more years of residence calculated proportionally (years resided divided by 40). The maximum monthly OAS payment in 2026 is approximately $727 for ages 65-74 and $800 for ages 75 and older (10% top-up). OAS is clawed back at 15 cents per dollar when your net income exceeds approximately $90997. You can also defer OAS up to age 70 for a 36% permanent increase in payments. Use our calculator to estimate your exact monthly OAS amount based on your residence history and income level.
How much OAS will I get in Canada in 2026?
The maximum monthly OAS in 2026 is approximately $727 (ages 65-74) and $800 (ages 75+). Your amount depends on years of Canadian residence after age 18. Full OAS requires 40 years. With fewer years your payment is proportional: 30 years = 30/40 x $727 = $545/month. 25 years = $454/month. 20 years = $364/month. You need at least 10 years of Canadian residence to qualify if applying from within Canada or 20 years if applying from abroad. OAS is adjusted quarterly for inflation so actual amounts increase over time.
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How to Use This Calculator
Enter your values in the fields above and the calculator will compute results instantly as you type. You can adjust any input to compare different scenarios. All calculations happen in your browser — no data is sent to any server and nothing is stored. Use the share buttons below the results to save or send your calculations via WhatsApp, Twitter, or by copying the link. For related calculations, check the suggested tools in the "What to calculate next" section below.
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 get in Canada in 2026?
The maximum monthly OAS in 2026 is approximately $727 (ages 65-74) and $800 (ages 75+). Your amount depends on years of Canadian residence after age 18. Full OAS requires 40 years. With fewer years your payment is proportional: 30 years = 30/40 x $727 = $545/month. 25 years = $454/month. 20 years = $364/month. You need at least 10 years of Canadian residence to qualify if applying from within Canada or 20 years if applying from abroad. OAS is adjusted quarterly for inflation so actual amounts increase over time.
What is the OAS clawback threshold for 2026?
If your annual net income exceeds approximately $90997 in 2026 your OAS is reduced (clawed back) by 15 cents for every dollar above this threshold. Full clawback occurs at roughly $148000+ meaning you receive no OAS at all. To minimize or avoid the clawback: use TFSA withdrawals instead of RRSP/RRIF (TFSA withdrawals are not counted as income) split eligible pension income with your spouse time large RRSP withdrawals for lower-income years and consider pension income splitting on your tax return.
Should I defer OAS to age 70 for a higher payment?
Deferring OAS increases your payment by 0.6% per month (7.2% per year). Deferring the full 5 years from 65 to 70 gives a permanent 36% increase: from $727 to approximately $989 per month. This is a guaranteed return — no investment can match it risk-free. Deferral makes financial sense if you have other income to cover ages 65-70 and expect to live past approximately age 81 (the break-even point). If you are in good health and have CPP or other pension income deferring is one of the smartest retirement decisions you can make.
Are these calculators free to use?
Yes, all calculators on CalcCorp are completely free — no registration, no login, no hidden charges. Results are calculated instantly in your browser and we do not store any of your data.
How accurate are these calculations?
Our calculators use standard financial formulas updated with the latest tax rates, interest rates, and government policies for 2026. Results are accurate for planning purposes but should be verified with a professional for final decisions.
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Last updated: March 2026