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OAS and GIS Estimator 2026: Estimate Your Old Age Security

Enter your age, years in Canada, start age and income to estimate your monthly OAS for October to December 2026, including a partial pension, the delay bonus, the 10% increase at 75 and the clawback. It also tells you if you may qualify for the GIS.

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The formula, written out

AgeMaximum OAS per monthNo OAS if 2025 net income is
65 to 74$762.50$152,062 or more
75 and over$838.75$157,923 or more

Amounts for October to December 2026, for a full pension (40 years in Canada after age 18).

  1. Residence: years in Canada after 18, divided by 40 (maximum 40). You need at least 10, or 20 if you live abroad.
  2. Delay: add 0.6% for each month you started after 65, up to 36% at 70.
  3. Age 75: add 10%.
  4. Clawback: 15% of 2025 net income above $93,454 is repaid, spread over the year. No OAS at $152,062 or more (65 to 74) or $157,923 or more (75+).

GIS income limits

Your situationIncome must be underMaximum GIS per month
Single, widowed or divorced$23,112$1,138.90
Spouse or partner gets the full OAS pension$30,528 (combined)$685.56
Spouse or partner gets the Allowance$42,768 (combined)$685.56
Spouse or partner does not get OAS or the Allowance$55,392 (combined)$1,138.90

Amounts for October to December 2026. Income is your net income for 2025, not counting OAS or GIS payments.

Related

Old Age Security (OAS) 2026: Amounts, Eligibility and How to Apply Old Age Security is a monthly pension for people 65 and older who have lived in Canada at least 10 years after age 18. For October to December 2026 the maximum is $762.50 a month at 65 to 74 and $838.75 at 75 and over. Most people are enrolled automatically. Guaranteed Income Supplement (GIS) 2026: Amounts and Income Limits The Guaranteed Income Supplement is a tax-free monthly payment for low-income seniors who get OAS. For October to December 2026, a single senior can get up to $1,138.90 a month if their income is under $23,112. Most people are enrolled automatically with their OAS. Should You Delay OAS to 70? How Deferral Raises Your Pension Each month you delay Old Age Security after 65 adds 0.6% to your pension, up to 36% at age 70. A full pension of $762.50 at 65 becomes $1,037.00 a month at 70. Delaying makes no sense if you qualify for the GIS, because GIS doesn't increase and you can't get it without OAS. OAS Clawback 2026: Recovery Tax Thresholds Explained If your net income is above the threshold, you repay 15% of the excess from your Old Age Security. For July 2026 to June 2027, the threshold is $93,454 (based on your 2025 income); OAS is fully clawed back at $152,062 for ages 65 to 74 and $157,923 for 75 and over.

Frequently asked questions

Is this the official Service Canada estimator?

No. It is an independent estimate using Service Canada's published amounts. The official OAS Benefits Estimator and your decision letter give your exact figures.

Why does it not give an exact GIS amount?

GIS is reduced in steps based on your exact income and your spouse's. We show whether you may qualify and the maximum; the official estimator gives the exact amount.

Is my income sent anywhere?

No. The calculation runs in your browser and nothing is stored or sent.

Sources

North Help Desk is an independent guide, not a government website. Rules, amounts and phone hours can change; always confirm on the official page before you act. Spotted something out of date? Tell us.