OAS Calculator 2026
OAS scenarios at October–December 2026 rates, with a separate recovery-income basis and GIS income screen. Not a benefit award.
Your eligibility & income
Ordinary minimum 10 years in Canada / 20 abroad; agreements not modeled
Deferring adds 7.2%/year
Net world income before OAS repayment; include taxable OAS, exclude GIS. Not just employment income.
💰Monthly OAS Scenario
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Slide to calculate
⚠️OAS Clawback
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Slide to calculate
✅Net Annual OAS
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OAS Fast Facts 2026
Data sources & methodology — see full methodology · editorial standards
Uses verified October–December 2026 OAS/GIS reference rates. Recovery distinguishes 2026 income from July 2026–June 2027 withholding based on 2025 income. Annualized quarterly rates are not actual calendar-year totals. GIS is only an income/conditions screen, not an amount calculation; spouse income, earnings exemptions, sponsorship and partial-pension details require Service Canada.
Sourced from: Service Canada — OAS payment amounts, CRA — OAS Recovery Tax
Planning with OAS, deferral, and income recovery tax
Old Age Security can provide a valuable government income stream in retirement because eligibility is tied primarily to Canadian residence rather than a work contribution record. It can form part of the dependable income that supports housing, food, and other recurring expenses. This calculator helps turn a broad eligibility and income picture into an OAS scenario, then shows how choosing a later start and a higher income may affect the amount you keep.
How to use the results
Set your age, years lived in Canada after age 18, preferred start age, and an estimate of retirement income from sources other than OAS. The gross OAS result is the estimated benefit before recovery tax. The clawback card identifies the reduction associated with the income entered, and net annual OAS puts those two figures together. The deferral table compares monthly and annual amounts from 65 through 70; the highlighted row matches your selected start age.
Use gross and net results for different jobs. Gross income helps describe cash received before tax planning. Net OAS after the recovery-tax estimate is more useful when you are comparing withdrawal strategies or deciding whether deferral improves your household cash flow.
Eligibility and estimate limits
Residence history affects whether OAS is partial or full, and special rules can apply to people who have lived or worked outside Canada under a social-security agreement. GIS depends on household circumstances and income, so an eligibility flag here is only a starting point. Marital status, a spouse or common-law partner’s income, and the timing and type of income all matter.
Benefit rates are indexed and recovery-tax thresholds can change. This page estimates from the inputs supplied; it does not replace an official entitlement calculation, tax return, or Service Canada assessment.
Deferral and clawback are separate decisions
Delaying OAS after 65 increases the monthly amount permanently, up to the permitted deferral period. In return, you give up payments while you wait. That trade-off may suit someone who has employment income, a pension, or savings to cover early retirement years and who wants a larger predictable payment later. Starting at 65 may be more practical when current income is needed or when there is little benefit to postponing cash flow.
The OAS recovery tax is driven by net income, not simply by the size of your OAS payment. Large RRSP/RRIF withdrawals, pension income, investment income, and employment income can all affect the picture. A later OAS start does not automatically avoid recovery tax; review the expected income in each relevant year. Avoid making a withdrawal or deferral choice from this result alone, since taxes, benefits, and investment returns interact.
Practical next steps
- Confirm your Canadian residence record and application timing with Service Canada.
- Prepare a household income forecast that includes CPP, pensions, registered-account withdrawals, and taxable investments.
- Run more than one income scenario, especially for years with a property sale, severance, or unusually large withdrawal.
- Ask a tax or financial professional to review recovery-tax exposure and GIS implications before acting on an income strategy.