OAS Calculator
Old Age Security pension by start age
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Uses the October to December 2026 maximum. OAS is indexed to inflation every quarter, so amounts are in today's dollars.
Your OAS from age 65
$762.50/mo
From age 75
$838.75/mo
Per year
$9,150
After recovery tax
$9,150
With 40 years in Canada after 18 you get the full pension.
Recovery tax a year
$0
None below $93,454
Total by age 85
$192,150
Before recovery tax
Overtakes starting at 65
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Choose a later start age to compare
OAS by start age (today's dollars)
| Start at | Monthly | From 75 | Total by 85 | Total by 90 |
|---|---|---|---|---|
| 65 | $762.50 | $838.75 | $192,150 | $242,475 |
| 66 | $817.40 | $899.14 | $196,176 | $250,124 |
| 67 | $872.30 | $959.53 | $198,884 | $256,456 |
| 68 | $927.20 | $1,019.92 | $200,275 | $261,470 |
| 69 | $982.10 | $1,080.31 | $200,348 | $265,167 |
| 70 | $1,037.00 | $1,140.70 | $199,104 | $267,546 |
By the Coast FIRE Calculator editorial team · Methodology · Official sources: Old Age Security payment amounts; Old Age Security: when to start your pension · Sources checked December 2026 · Corrections: hello@coastfirecalculator.io
OAS in 2026
Age 65 to 74, maximum (October to December 2026)
$762.50 a month
Age 75 and over, maximum
$838.75 a month
Each month you wait after 65
+0.6% (36% more at 70)
Fewer than 40 years in Canada after 18
Years in Canada ÷ 40 (at least 10 years)
Recovery tax
15% of 2025 net world income above $93,454
OAS fully recovered
2025 income of $152,062 at 65 to 74, $157,923 at 75 and over
From canada.ca, checked October 2, 2026. OAS is reviewed in January, April, July and October with the Consumer Price Index and never goes down; October to December 2026 is 1.4% above the prior quarter.
Start at 65 or wait until 70?
Waiting raises every payment for life: 0.6% for each month after 65, so 7.2% a year and 36% at 70. The cost is the payments you give up while you wait.
With a full pension, starting at 70 catches up with starting at 65 at about age 83.1, counting the 10% increase at 75 and leaving out tax and investment returns. Waiting also delays the Guaranteed Income Supplement, which does not increase when you defer, so canada.ca advises applying right away if you are eligible for it.
The OAS recovery tax
If your net world income is above the threshold, you repay 15% of the amount above it, up to your whole pension. Your income for one year sets the repayment for July of the next year to the following June.
canada.ca's example: with $100,000 of income in 2025, the excess over $93,454 is $6,546, so you repay $981.90 for July 2026 to June 2027. The threshold for 2026 income is estimated at $95,323.
Sources