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OAS (Old Age Security) Payment Calculator

Estimate your OAS, GIS, and Allowance benefits

Personal Information
Income Information
$
$
Advanced Settings (OAS Recovery Tax)
$
$

Click button to calculate your benefits

OAS Pension

Full OAS
$742.31
$8,907.72/year
Recovery Tax: $0.00/month
Net Monthly: $742.31

GIS

Not Eligible
$0.00
$0.00/year

Allowance

N/A (65+)
$0.00
$0.00/year

Survivor Allowance

N/A
$0.00
$0.00/year
Your Income vs OAS Recovery Threshold $0 / $90,997
View Step-by-Step Calculation
1. Base OAS (by age): $742.31/month
2. Residence Factor: 40 years → 1.0000
3. Adjusted OAS: $742.31/month
4. Your Net Income: $0
5. Recovery Threshold: $90,997
6. Excess Income: $0
7. Recovery Tax (15%): $0.00/year
8. Monthly Recovery Tax: $0.00
9. Net OAS Monthly: $742.31
10. GIS Entitlement: $0.00
11. Total Monthly: $742.31

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OAS Payment Calculator Estimate your Old Age Security benefits

Understand how your age, residence years, and income affect your Old Age Security payment — and how to use our calculator for a precise estimate.

The Old Age Security (OAS) pension is a monthly payment available to most seniors aged 65+. The amount you receive depends on three key factors: your age (65–74 or 75+), how long you’ve lived in Canada after 18, and your annual net income. Use our OAS Payment Calculator to instantly see what you could receive, including potential top‑ups like the 10% increase at 75 and the Guaranteed Income Supplement (GIS).

How to use the OAS Payment Calculator – 5 simple steps

Enter your age

Select whether you are 65 to 74 or 75 and over. The calculator automatically applies the 10% permanent increase if you're 75+ (as of July 2022).

Years lived in Canada after 18

Input the total number of years you have resided in Canada since age 18. If you lived here for 40 years or more, you qualify for the full OAS pension. Fewer years give a partial pension (years ÷ 40 × full amount).

Your annual net income (world income)

Enter your expected net income for the current year. This determines if you are subject to the OAS recovery tax (clawback). For 2024, the threshold is $90,997. If your income exceeds that, you may repay part of your pension.

Specify your marital status (for GIS/Allowance)

If you want to estimate Guaranteed Income Supplement (GIS), Allowance, or Allowance for the Survivor, indicate if you are single, married/common‑law, or a survivor. The calculator uses the latest income thresholds.

Click “Calculate my OAS”

Instantly see your estimated monthly payment, any GIS top‑up, and potential recovery tax. The results adjust automatically if you qualify for the 75+ increase or a partial pension.

Maximum monthly OAS payment (January–March 2026)

Age groupMaximum monthlyIncome threshold (2024)
65 to 74$742.31less than $148,451
75 and over$816.54less than $154,196

* These are maximums; your actual payment depends on residence years and income. The calculator applies the exact formula.

What influences your OAS payment?

Years in Canada

You need at least 10 years (if living in Canada) or 20 years (if outside Canada) to qualify. Full pension requires 40 years after 18. Partial = (years/40) × full amount.

Income & recovery tax

If net income exceeds $90,997 (2024), you repay 15% of the excess. At around $148,451 (age 65–74) the full OAS is clawed back.

Age 75+ increase

A permanent 10% increase applies automatically the month after your 75th birthday. Does not affect GIS.

Living outside Canada

You need 20 years of residence to receive OAS abroad. Years worked in a country with a social security agreement may count.

Other OAS benefits (GIS, Allowance, Survivor)

Depending on your income and marital status, you may also qualify for Guaranteed Income Supplement (GIS) (if 65+, low income), the Allowance (60–64, spouse gets GIS), or the Allowance for the Survivor (60–64, widowed). The calculator includes these when you provide marital status and income.

Example: A single senior aged 68 with 42 years in Canada and net income $20,000 would receive full OAS ($742.31) + maximum GIS ($1,108.74) = $1,851.05/month. Try the calculator to see your combination.

Frequently Asked Questions – OAS Payment Calculator

Because waiting until you turn 65 to find out what you qualify for is stressful. This OAS payment calculator shows you right now your estimated monthly amount including the age 75 increase, GIS, Allowance, and clawback. No surprises when that first payment arrives.

This Canadian senior benefit estimator is for anyone approaching age 65, seniors already receiving OAS, and those aged 60-64 who may qualify for Allowance or Allowance for the Survivor. Singles, married couples, and widowed persons. If you want to understand your OAS, GIS, or potential clawback, this tool helps you plan ahead.

100% free. No sign up, no credit card, no hidden fees. This OAS and GIS combined calculator works for any senior or soon to be senior. It costs nothing to estimate your total monthly federal benefits including OAS, GIS, Allowance, and the 10% age 75 increase.

No way. This OAS clawback and GIS estimator does not save or share anything. No name, no SIN, no income details. Your answers stay in your browser. We never see them and we never sell your data. Completely private.

Yes. This Canadian OAS benefit tool follows official Service Canada rules. That means the full OAS amount ($727.67 for 2026), the 10% increase at age 75, the partial pension formula (years ÷ 40), the 15% clawback on income above $90,997, and the GIS thresholds for singles and couples. Quarterly CPI updates are included. It won't approve your benefits, but it tells you what to expect before you turn 65.

⚠️This tool is for information purpose only. We do not guarantee any claim.
It is made based on data publicaly available on official website of concerned department.

Last Updated: March 2026 | Official Determination Required

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