OAS Calculator 2026: your Old Age Security pension

OAS amounts for October to December 2026

The table gives the monthly pension for a person who starts at 65, by complete years of residence in Canada after age 18. The second column adds the 10% increase that applies from the month after the 75th birthday. Each line is the full pension multiplied by the number of years over 40, rounded to the cent.

The four things that set your pension

1. Years of residence, not years of work

OAS counts the time you lived in Canada after your 18th birthday. A year in which you earned nothing counts as much as a year of full-time work, and a year abroad on a Canadian payroll does not count unless a specific rule (posting with the Canadian Forces, a Canadian employer abroad, a spouse in that situation) treats it as residence. The total is rounded down to complete years: 24 years and 11 months is 24.

2. The start date

You can start at 65 or later, never earlier. Every month of delay after you qualify raises the pension by 0.6%, with no increase for months after your 70th birthday, so the maximum is 36%. Service Canada publishes the deferred full pension for this quarter at $817.40 at 66, $927.20 at 68 and $1,037.00 at 70. The calculator reproduces each of those figures. Whether waiting pays off is a separate question, treated in the OAS deferral guide.

3. Your age after 75

Since July 2022, the pension of anyone aged 75 or over is 10% higher. The increase applies to the pension as already raised by any deferral, so someone who waited until 70 receives both: 36% for the deferral, then 10% on the result.

4. Your income, through two separate mechanisms

A high income does not lower the pension Service Canada calculates, but the recovery tax takes back 15% of net income above $95,323 for the 2026 income year, withheld from payments between July 2027 to June 2028. The OAS clawback calculator details it. A low income works the other way and opens the Guaranteed Income Supplement, which the GIS calculator estimates.

Partial pension and deferral: the rule of the greatest amount

For someone with fewer than 40 years, deferring has two effects that the Act lets you combine in your favour: the 0.6% monthly increase, and the extra years of residence accumulated while waiting. Section 7.1(3) gives you the greatest of three amounts: the partial pension at the date you qualified, raised for the deferral; the full pension raised for the months after you reached 40 years; and the partial pension recalculated with your residence at the date you start, without any increase.

Take a person with 22 years at 65 who keeps living in Canada and starts at 70. At 65 the pension would be $419.38. At 70, the deferred partial pension (22/40 raised 36%) comes to $570.35, more than the 27/40 pension calculated on five additional years. The calculator applies the same comparison for every combination and shows which rule won.

What the calculator does not do

• It does not check legal status. A person who was not a Canadian citizen or legal resident the day before approval, or the day before leaving Canada, cannot receive OAS.
• It does not add periods under social security agreements. If you lived in a partner country, those years can help you reach the 10-year minimum, but the Canadian pension is still paid in fortieths of your Canadian years only, and Service Canada assesses that case on application.
• It assumes you keep residing in Canada while deferring. Someone who defers while living abroad does not accumulate additional years of residence.

To see OAS alongside your CPP pension and any supplement, use the CPP + OAS + GIS calculator. The eligibility rules in detail, including the special cases of the 20-year and 10-year thresholds, are in the OAS eligibility guide, and the payment calendar on the OAS payment dates page.