OAS Calculator Canada 2026
Estimate your Old Age Security pension at any start age from 65 to 70. See the deferral bonus, OAS clawback, GIS eligibility, and break-even age comparison.
How OAS Works in Canada
Old Age Security is Canada's largest retirement program. Unlike CPP, OAS is funded from general tax revenues — you don't need to have worked or paid into CPP to receive it. Eligibility is based on Canadian residence, not employment history.
Apply 6–11 months before your chosen start date. Service Canada may enrol you automatically at 65 and send a letter — watch your mail around your 64th birthday.
You need 40 years of Canadian residence after age 18 for the full pension. 10–39 years earns you a prorated amount. 35 years = 35/40 = 87.5% of full OAS.
Every month you defer past 65 adds 0.6% permanently (7.2%/year). Deferring to 70 = +36%. The break-even vs. taking at 65 is roughly age 85 — if you expect to live longer, defer.
Frequently Asked Questions
Yes — OAS is fully taxable income. It is reported on your T4A(OAS) slip. However, GIS is not taxable. Many seniors request voluntary withholding from Service Canada to avoid a large tax bill at year end.
Yes, if you lived in Canada for at least 20 years after age 18. With less than 20 years, you can still receive OAS while abroad if you live in a country that has a social security agreement with Canada.
Since July 2022, seniors aged 75 and over automatically receive 10% more OAS — a permanent increase built into their monthly payment. You do not need to apply for this top-up.