Delaying your OAS pension
You can delay receiving OAS after age 65. Your pension generally increases by 0.6% for each month you delay it, up to age 70.
Maximum increase by age 70
+36 %
Canada retirement calculator
Old Age Security (OAS) Calculator
Estimate your Old Age Security pension, including the effect of delaying your pension, years of residence in Canada and the OAS recovery tax.
Quick answer
How much Old Age Security can you receive?
Your OAS pension depends mainly on your age, how long you have lived in Canada after age 18, when you start receiving the pension and your annual net world income. Delaying OAS after age 65 can increase your monthly pension, while higher income may reduce it through the OAS recovery tax.
Estimated OAS pension
Complete the form and click “Calculate OAS” to see your estimated pension.
Years of residence and partial OAS
Your OAS amount can depend on how many years you have lived in Canada after age 18. A full pension generally requires 40 years of residence, while a partial pension may be available with fewer years if you meet the applicable eligibility requirements.
Years generally required for a full pension
40
years
OAS recovery tax
Higher-income recipients may have to repay part or all of their OAS pension through the OAS recovery tax. The calculator estimates the potential repayment using the selected income threshold and recovery rate.
2026 net income threshold used by this calculator
CA$ 95,323
Recovery rate on income above the threshold
15 %
The displayed threshold corresponds to the 2026 net world income threshold used for OAS recovery tax.
Important information
OAS amounts are indexed periodically and eligibility depends on your residence history and other circumstances. The amount you actually receive may therefore differ from this estimate.
Use this calculator as an estimate only and confirm your official OAS entitlement through Service Canada.
Official sources
Old Age Security rules and amounts
The calculator is based on information published by the Government of Canada and Service Canada.
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