GlenCalc

Old Age Security calculator

A full OAS pension takes 40 years in Canada after age 18. You can defer it to 70 for a higher payment, and high earners repay part of it through the recovery tax. Amounts are for October to December 2026.

At least 10 if you live in Canada, or 20 if you live abroad.

Your answer

Monthly OAS before recovery tax$762.50
Yearly OAS after recovery tax$9,150.00
Yearly OAS$9,150.00
Recovery tax for the year$0.00
  • The recovery tax uses the 2025 income threshold of $93,454, which applies from July 2026 to June 2027. OAS is taxable, and rates change every three months. The Guaranteed Income Supplement is not included.

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How we worked it out

Updated as you change the numbers.

  1. $762.50 × 40/40, plus 0.6% for each month deferred = $762.50 a month.
  2. Recovery tax: 15% of income over $93,454.00 = $0.00.

Method and assumptions

Canada.ca: maximum $762.50 a month at 65 to 74 and $838.75 from 75 for October to December 2026; partial pension of years in Canada ÷ 40; 0.6% more for each month deferred after 65, up to 36% at 70; and a recovery tax of 15% of net world income over the threshold, with no pension left from $152,062 (65 to 74) or $157,923 (75 and over).

Questions

How much is OAS if I defer to 70?

Up to $1,037.00 a month for October to December 2026, which is 36% more than at 65.

How much OAS do I repay on $100,000 of income?

$981.90 for the year: 15% of the $6,546 above the $93,454 threshold.

Sources

Method and figures checked on November 3, 2026. Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.

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