Old Age Security (OAS) Estimator
OAS starts at age 65 (deferral increases payment)
Minimum 10 years for partial OAS
For OAS clawback calculation
Each month deferred increases OAS by 0.6%
Estimated Monthly OAS
$762.5
Estimated Annual OAS
$9,150
Monthly Before Clawback
$762.5
Monthly OAS Clawback
$0
OAS Eligibility Level
100.00%
Deferral Bonus
0.00%
Amounts for October to December 2026, checked October 19, 2026. Source: Canada.ca
The recovery tax (clawback) starts at about $95,323 of net world income for the 2026 income year. These clawback figures are estimates until Canada publishes the final amounts.
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