OAS Benefits Calculator
Estimate your Old Age Security pension including partial OAS and clawback (recovery tax).
2026 Tax YearData stays on your deviceUpdated Apr 1, 2026
40 years = full OAS. Minimum 10 years required.
$
Clawback starts at $93,454
Monthly OAS (After Clawback)
$742.31
Base Monthly OAS
$742.31
100% of maximum
Monthly Clawback
$0.00
Below threshold
Annual OAS
$8,907.72
Max Possible
$742.31
At age 65-74
Frequently Asked Questions
What is the OAS clawback?
If your net income exceeds $90,997 (2026), you must repay 15 cents per dollar above the threshold. OAS is fully clawed back at approximately $148,065.
What is partial OAS?
If you lived in Canada for less than 40 years after age 18, you receive proportional OAS. For example, 30 years = 75% of the maximum. Minimum 10 years in Canada required.
Is there a bonus at age 75?
Yes. OAS increases by 10% automatically when you turn 75, resulting in a higher maximum monthly payment.
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Built and reviewed by Konstantin Iakovlev · Data from CRA, CMHC, Bank of Canada · MethodologyDisclaimer: This calculator provides estimates based on publicly available data from CRA and other government sources. It does not constitute financial advice. Consult a qualified advisor for decisions about your specific situation.
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