Monthly OAS Benefit
CADNaN
Annual OAS Benefit (before clawback)
CADNaN
OAS Clawback Amount
CADNaN
Net Annual OAS After Clawback
CADNaN
Old Age Security (OAS) Calculator — Years Resided in Canada After Age 18 300
With years resided in canada after age 18 of 300, the monthly oas benefit is CAD728.
Full OAS requires 40+ years. Partial OAS available from 10 years.
You can defer OAS from 65–70 for a 0.6%/month increase
2025 OAS clawback starts at $90,997
Monthly OAS Benefit
CAD728
Annual OAS Benefit (before clawback)
CAD8,732
OAS Clawback Amount
CAD0
Net Annual OAS After Clawback
CAD8,732
2025 OAS full benefit is $727.67/month (ages 65–74). OAS clawback (recovery tax) is 15% of net income above $90,997. OAS is fully clawed back at income of approximately $148,179. Figures are 2025 estimates — OAS is indexed to CPI quarterly.
What is the Old Age Security (OAS) Calculator?
Old Age Security (OAS) is a federal pension paid to Canadians 65+ who have lived in Canada for at least 10 years after age 18. The full benefit requires 40 years of residency. You can defer OAS from 65 to 70 to receive a 0.6% monthly increase (max 36% at 70). Higher-income retirees face an OAS recovery tax (clawback) starting at $90,997 in net income in 2025.
Formula
Monthly OAS = $727.67 × (Years/40) × deferral bonus. Clawback = max(0, (Income − $90,997) × 15%).- Y
- = Years of Canadian residency (max 40)
- D
- = Months OAS is deferred past age 65
How to use the Old Age Security (OAS) Calculator
- 1
Step 1
Enter your years of Canadian residency after age 18.
- 2
Step 2
Select your retirement age (65–70).
- 3
Step 3
Enter your estimated net income in retirement.
- 4
Step 4
View your OAS benefit and any clawback amount.
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Frequently asked questions
When does the OAS clawback start in 2025?
The 2025 OAS clawback threshold is $90,997 in net world income. Above this, you repay 15% of the excess through the OAS recovery tax, reducing your OAS benefit.
Should I defer my OAS to 70?
Deferring OAS to 70 increases your monthly benefit by 36%. It generally makes sense to defer if you expect to live past your mid-70s and have other income to cover ages 65–70.
Sources
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