OAS Deferral Calculator 2026 | Old Age Security Pension Estimator

STEP 1 — Deferral Months

Selected Start Age65

Years Deferred (Age − 65)0

Deferral Months (Years × 12)0

STEP 2 — Percentage Increase

Monthly increase rate0.6%

Total Percentage Increase0%

STEP 3 — Monthly OAS Pension

Full OAS at 65$743.05

Monthly OAS (Deferred)$743.05

STEP 4 — Annual OAS Pension

Annual OAS$8,916.60

STEP 5 — First-Year Bonus

Monthly difference$0

First-Year Bonus$0

STEP 6 — Cumulative Bonus (by age 85)

Years from start age to 8520

Cumulative Bonus by age 85$0

📊 Comparison of monthly amounts

Start Age	Increase	Monthly OAS

⚠️ This calculator provides estimated OAS deferral amounts for informational purposes only. Actual OAS payments are determined by Service Canada based on your residency history, age, and individual circumstances. This tool uses the official OAS deferral rules and maximum amounts for the 2026 benefit year but should not be considered as official confirmation of benefit amount. Always verify with Service Canada or consult a qualified financial professional.

❓ FAQ

What is OAS deferral? ▼

OAS deferral allows you to delay starting your Old Age Security pension past age 65 in exchange for a higher monthly amount. You can defer up to age 70.

How much does OAS increase if I defer? ▼

Your OAS pension increases by 0.6% for each month you defer, up to a maximum of 36% at age 70.

Can I defer past age 70? ▼

No. It is not financially advantageous to defer past age 70. You could lose benefits.

Does the deferral increase apply for life? ▼

Yes. Once you start receiving OAS, the deferral increase is permanent and applies for life.

Can I get GIS if I defer OAS? ▼

No. If you defer OAS, you cannot receive GIS during the deferral period. GIS entitlement starts when OAS begins.

What is the OAS clawback threshold? ▼

For 2025, the clawback begins when income exceeds $93,454. You must repay 15 cents of OAS for every dollar above the threshold.

Can I receive retroactive OAS payments? ▼

If you are over 65, you may receive a retroactive payment for up to 11 months from the date of application.

What is the maximum OAS pension in 2026? ▼

As of April–June 2026, the maximum OAS for ages 65–74 is $743.05/month, and for ages 75+ it is $817.36/month.

How do I apply for OAS? ▼

You should apply for OAS at least 6 months before you want payments to begin. Apply online through Service Canada or by mail.

What happens if I don't apply for OAS at 65? ▼

If you don't apply, your OAS is automatically deferred. You will need to apply later to start receiving payments, and you may miss out on retroactive payments.

⚠️This tool is for information purpose only. We do not guarantee any claim.
It is made based on data publicaly available on official website of concerned department.

Last Updated: March 2026 | Official Determination Required

Old Age Secirity (OAS) Pension Deferral Calculator 2026

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