Accumulated OAS value
Visualize the accumulated value of the Old Age Security pension by chosen starting age.
Prepared by Groupe Conseil Sabin Painchaud
Prepared on September 21, 2026
Net accumulated value of OAS and GIS
OAS parameters
| Age reached | Probability of reaching this age | 65 | 66 | 67 | 68 | 69 | 70 |
|---|---|---|---|---|---|---|---|
| 65 | 96.1 % | 9 024 $ | — | — | — | — | — |
| 66 | 95.1 % | 18 047 $ | 9 673 $ | — | — | — | — |
| 67 | 93.9 % | 27 071 $ | 19 347 $ | 10 323 $ | — | — | — |
| 68 | 92.7 % | 36 095 $ | 29 020 $ | 20 646 $ | 10 973 $ | — | — |
| 69 | 91.3 % | 45 118 $ | 38 693 $ | 30 969 $ | 21 945 $ | 11 622 $ | — |
| 70 | 89.8 % | 54 142 $ | 48 367 $ | 41 292 $ | 32 918 $ | 23 245 $ | 12 272 $ |
| 71 | 88.1 % | 63 165 $ | 58 040 $ | 51 615 $ | 43 891 $ | 34 867 $ | 24 544 $ |
| 72 | 86.3 % | 72 189 $ | 67 713 $ | 61 938 $ | 54 864 $ | 46 490 $ | 36 816 $ |
| 73 | 84.3 % | 81 213 $ | 77 387 $ | 72 261 $ | 65 836 $ | 58 112 $ | 49 089 $ |
| 74 | 82.1 % | 90 236 $ | 87 060 $ | 82 584 $ | 76 809 $ | 69 735 $ | 61 361 $ |
| 75 | 79.8 % | 100 162 $ | 97 701 $ | 93 940 $ | 88 879 $ | 82 519 $ | 74 860 $ |
| 76 | 77.3 % | 110 088 $ | 108 341 $ | 105 295 $ | 100 949 $ | 95 304 $ | 88 359 $ |
| 77 | 74.5 % | 120 014 $ | 118 982 $ | 116 650 $ | 113 019 $ | 108 089 $ | 101 859 $ |
| 78 | 71.6 % | 129 940 $ | 129 623 $ | 128 006 $ | 125 089 $ | 120 873 $ | 115 358 $ |
| 79 | 68.4 % | 139 866 $ | 140 263 $ | 139 361 $ | 137 159 $ | 133 658 $ | 128 858 $ |
| 80 | 65.0 % | 149 792 $ | 150 904 $ | 150 716 $ | 149 229 $ | 146 443 $ | 142 357 $ |
| 81 | 61.5 % | 159 718 $ | 161 545 $ | 162 072 $ | 161 299 $ | 159 228 $ | 155 856 $ |
| 82 | 57.7 % | 169 644 $ | 172 185 $ | 173 427 $ | 173 369 $ | 172 012 $ | 169 356 $ |
| 83 | 53.8 % | 179 570 $ | 182 826 $ | 184 782 $ | 185 439 $ | 184 797 $ | 182 855 $ |
| 84 | 49.7 % | 189 496 $ | 193 467 $ | 196 138 $ | 197 509 $ | 197 582 $ | 196 354 $ |
| 85 | 45.5 % | 199 422 $ | 204 108 $ | 207 493 $ | 209 579 $ | 210 366 $ | 209 854 $ |
| 86 | 41.2 % | 209 348 $ | 214 748 $ | 218 849 $ | 221 649 $ | 223 151 $ | 223 353 $ |
| 87 | 36.9 % | 219 274 $ | 225 389 $ | 230 204 $ | 233 719 $ | 235 936 $ | 236 853 $ |
| 88 | 32.6 % | 229 200 $ | 236 030 $ | 241 559 $ | 245 790 $ | 248 720 $ | 250 352 $ |
| 89 | 28.3 % | 239 126 $ | 246 670 $ | 252 915 $ | 257 860 $ | 261 505 $ | 263 851 $ |
| 90 | 24.2 % | 249 052 $ | 257 311 $ | 264 270 $ | 269 930 $ | 274 290 $ | 277 351 $ |
| 91 | 20.3 % | 258 978 $ | 267 952 $ | 275 625 $ | 282 000 $ | 287 074 $ | 290 850 $ |
| 92 | 16.6 % | 268 904 $ | 278 592 $ | 286 981 $ | 294 070 $ | 299 859 $ | 304 349 $ |
| 93 | 13.3 % | 278 830 $ | 289 233 $ | 298 336 $ | 306 140 $ | 312 644 $ | 317 849 $ |
| 94 | 10.3 % | 288 756 $ | 299 874 $ | 309 691 $ | 318 210 $ | 325 429 $ | 331 348 $ |
| 95 | 7.7 % | 298 682 $ | 310 514 $ | 321 047 $ | 330 280 $ | 338 213 $ | 344 847 $ |
| 96 | 5.6 % | 308 608 $ | 321 155 $ | 332 402 $ | 342 350 $ | 350 998 $ | 358 347 $ |
| 97 | 3.8 % | 318 534 $ | 331 796 $ | 343 757 $ | 354 420 $ | 363 783 $ | 371 846 $ |
| 98 | 2.5 % | 328 460 $ | 342 436 $ | 355 113 $ | 366 490 $ | 376 567 $ | 385 346 $ |
| 99 | 1.5 % | 338 387 $ | 353 077 $ | 366 468 $ | 378 560 $ | 389 352 $ | 398 845 $ |
| 100 | 0.9 % | 348 313 $ | 363 718 $ | 377 823 $ | 390 630 $ | 402 137 $ | 412 344 $ |
“This calculator estimates, for informational purposes only, the net accumulated value (after recovery tax) of the Old Age Security (OAS) pension and the Guaranteed Income Supplement (GIS, for a single person), based on the chosen starting age (65 to 70), the 2026 maximum pension, the years of residence in Canada and the taxable income (excluding OAS) that you enter. The entered years of residence correspond to the current age; every year between the current age and the chosen starting age is assumed to be lived in Canada. If the residence acquired by the chosen starting age is less than 10 years, OAS (and GIS) are nil for that starting age, for lack of the minimum residence required. If residence is not yet complete (40 years) at age 65, each starting age retains the greater of the usual deferral bonus (0.6% per month, applied to the residence fraction acquired at 65) and the residence fraction improved by the mere passage of time (without any bonus) — these two effects are not combined in this simplified model. The automatic 10% increase at age 75 is applied regardless of the starting age. The 15% OAS recovery tax (“clawback”) applies to the portion of the entered taxable income (excluding OAS) exceeding the $95,323 threshold (2026), up to full recovery of the pension — as a simplification, OAS itself is not added back to income for this test, unlike the real CRA rule where the net income used includes the OAS received that year. The maximum GIS for a single person ($1,123.17/month, 2026) is reduced by $0.50 per dollar of entered taxable income (excluding OAS) — the real reduction method for a single person — until exhausted (around $26,956 of income, based on the 2026 maximum used); it is only paid from the chosen starting age onward (no GIS during deferral). The entered taxable income is assumed to be indexed at the same rate as OAS, so its real value stays constant year over year, as do the recovery and GIS thresholds (themselves indexed annually). Amounts are presented in constant (today’s) dollars, with no additional discounting. Actual amounts paid by Service Canada may differ based on the rules in force. The probability of reaching each age is estimated from the Canadian Institute of Actuaries’ CPM2014 mortality table (Canadian pensioners), which does not distinguish smokers from non-smokers. This result does not constitute financial or tax advice, nor a guarantee of benefits or life expectancy.”
Calculation assumptions
- 2026 parameters (July–September quarter) as of 2026-09-16: maximum OAS pension of $751.97/month (full residence) from age 65 to 74; OAS recovery threshold of $95,323 net income; maximum GIS (single person) of $1,123.17/month.
- The pension is proportional to years of residence in Canada after age 18 (1/40 per year, capped at 40 years for the full pension). The entered years correspond to the current age; every year between the current age and the chosen starting age is assumed to be lived in Canada.
- A minimum of 10 years of residence acquired by the chosen starting age is required to be entitled to OAS; below that, OAS and GIS are nil for that starting age.
- For each eligible starting age, the model retains the greater of (a) the usual deferral bonus (0.6% per month, up to 36% at age 70) applied to the residence fraction acquired at age 65, and (b) the residence fraction improved by the mere passage of time up to that age, without any bonus. These two effects are not combined (simplification): a person who has not yet reached full residence at 65 may find that waiting benefits their residence fraction more than the deferral bonus.
- The automatic 10% increase in the pension from age 75 onward applies regardless of the chosen starting age.
- The OAS recovery tax is calculated at 15% of the excess of the entered taxable income (excluding OAS) over the $95,323 threshold, capped at that year’s OAS amount (full recovery possible). As a simplification, the threshold applies only to the entered income: unlike the real CRA rule, that year’s gross OAS is not added back to income for this test.
- The Guaranteed Income Supplement (GIS) is estimated for a single person (no spouse) using the real reduction method: maximum of $1,123.17/month (2026), reduced by $0.50 per dollar of entered taxable income (excluding OAS), until exhausted (around $26,956 of income, based on the 2026 maximum used — this exhaustion point differs slightly from the rounded threshold published by Service Canada, which applies $48 income brackets not reproduced here). GIS is only paid from the effective OAS starting age onward (no GIS during deferral years) and is not reduced by the OAS residence fraction.
- The entered taxable income (excluding OAS) is assumed to grow at the same indexation rate as OAS; in constant dollars, its real value — and that of the recovery and GIS thresholds, themselves indexed each year — therefore stays stable over time.
- Since the pension is legally indexed to inflation, the accumulated value is expressed in constant (today’s) dollars: no additional discounting is applied, other than the age-75 increase.
- The survival probability uses the Canadian Institute of Actuaries’ CPM2014 mortality table (Canadian pensioners), adjusted by log-linear (Gompertz) regression; it does not distinguish smokers from non-smokers.
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