Old Age Security pension calculator
Enter your years in Canada, the age you start and your net income to see the OAS pension Service Canada pays for the last quarter of 2026.
Checked by Radif Partners · Editorial policy · Method
From October to December 2026, the full Old Age Security pension is $762.50 a month at 65 to 74 and $838.75 at 75 or older. Those are the maximums in Service Canada’s quarterly table, and they apply to anyone who lived in Canada for 40 years after age 18 and started the pension at 65. Fewer years give a partial pension, one fortieth of the full amount per year, with a floor of 10 years in Canada or 20 years for someone living abroad. Starting later raises the pension by 0.6 % for each month after 65, up to 36 % at 70. High incomes give part of it back: the recovery tax takes 15 % of 2025 net income above $93,454, withheld from each payment between July 2026 and June 2027. OAS is reviewed every quarter for inflation, so the amount moved four times in 2026. The figure that counts for you is the one on your Service Canada notice.
OAS pension, October to December 2026
$762.50
per month after the recovery tax
| Share of the full pension | 100 % |
| Deferral increase | 0 % |
| Gross monthly pension | $762.50 |
| Recovery tax withheld | − $0.00 |
Estimate only: the CRA, Service Canada or your province sets the amount actually paid.
What the calculator computes
The tool takes four inputs: complete years lived in Canada after 18 (capped at 40), the age you start between 65 and 70, whether you are 75 or older, and your 2025 net income from line 23400. It returns the gross monthly pension, the share of a full pension you earned, the deferral increase, the recovery tax withheld each month and what lands in your account. All amounts use the October to December 2026 rates published by ESDC’s quarterly report.
The four quarters of 2026
| Quarter | Ages 65 to 74 | Age 75 or older |
|---|---|---|
| January to March | $742.31 | $816.54 |
| April to June | $743.05 | $817.36 |
| July to September | $751.97 | $827.17 |
| October to December | $762.50 | $838.75 |
The 75+ column is 10 % above the other, an increase that starts automatically the month after your 75th birthday. The page on the age-75 increase works through it.
Typical cases, October to December 2026
| Situation | Gross | Recovery tax | Net per month |
|---|---|---|---|
| 40 years in Canada, starts at 65, income $45,000 | $762.50 | $0.00 | $762.50 |
| 25 years in Canada, starts at 65, income $45,000 | $476.56 | $0.00 | $476.56 |
| 12 years in Canada, starts at 65, income $30,000 | $228.75 | $0.00 | $228.75 |
| 40 years in Canada, starts at 70, income $60,000 | $1,037.00 | $0.00 | $1,037.00 |
| 40 years in Canada, starts at 65, aged 75+, income $45,000 | $838.75 | $0.00 | $838.75 |
| 40 years in Canada, starts at 65, income $120,000 | $762.50 | $331.83 | $430.67 |
The partial pension in the second and third rows is explained on the partial pension page; the fourth row is a start at 70, covered in the deferral guide; the last row loses part of its pension to the recovery tax.
What it does not do
The calculator does not add the Guaranteed Income Supplement, which depends on a separate income test: use the GIS calculator for that. It counts whole years only, applies the recovery threshold for 2025 income and does not project future indexation. It cannot check residence periods abroad or social security agreements, which Service Canada assesses from your file. Deposit days are listed on the OAS payment dates page.