OAS Estimator 2026
Estimate your Old Age Security payment, clawback, and deferral bonus.
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Managing the clawback
OAS clawback starts at $90,997 of net income and phases out fully around $148,451. Withdrawing from a TFSA (which does not count as income) or splitting pension income with a spouse are common ways to stay below the threshold.
Estimates based on 2026 projected OAS rates and thresholds. Actual amounts depend on CRA figures at time of application.
Frequently Asked Questions
What is Old Age Security (OAS)?
OAS is a monthly federal benefit paid to most Canadians age 65 or older, based on how many years you have lived in Canada after age 18. Unlike CPP, it is not based on your work history or contributions.
What is the OAS clawback (recovery tax)?
If your net world income exceeds the threshold ($90,997 for 2026), you repay 15% of the excess until OAS is fully clawed back around $148,451. Managing retirement income to stay under this line is a key planning move.
Should I defer OAS past 65?
You can defer OAS up to age 70. Each month of deferral adds 0.6% to your payment - a 36% lifetime increase at age 70. This makes sense if you have other income sources and expect a long retirement.
Do I get more OAS at 75?
Yes. Since July 2022, Canadians 75 and older receive an automatic 10% increase to their OAS payment.
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