Free Tool — Retirement · 2026 Canada

Old Age Security (OAS) Calculator

Calculate your OAS pension, deferral bonus, clawback exposure, and GIS eligibility. Includes current 2026 Canada.ca rates and income thresholds.

Your OAS Details
Current age
yrs
Years lived in Canada (age 18+) For partial OAS
yrs
Planned OAS start age
Estimated annual income at OAS start All sources
$
Spouse / GIS
Marital status at retirement
Spouse annual income If applicable
$
Life expectancy estimate
yrs
Enter your details to calculate your OAS pension, clawback, and optimal start age.