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Old Age Security Calculator

Calculate the amounts of pensions and allowances

Get the amount of Old Age Security (OAS) payments, Guaranteed Income Supplement and allowances from the Government of Quebec and Canada.

Note the following abbreviations

  • OAS = Old Age Security pension
  • GIS = Guaranteed Income Supplement

Updated on january 5, 2024.

+ +

Important change on july 2024

Beginning july 2024, every person at their retirement of 75 years old or more and eligible to the OAS will get a supplement of +10% of their OAS. Our calculator reflect this new changeé

The old age security pension

This pension, available to Canadians over 65, is base on monthly payments. To benefit of the OAS, you must meet certain conditions. This pension is taxable and you must consider it in your annual tax return.

Since this pension is indexable, the Consumer Price Index will affect the amount of your benefits.

The eligibility requirements

If you live in Canada

You must be 65 years of age or older, a Canadian citizen or licensed resident and have lived in Canada for a minimum of 10 years following your 18th birthday.

If you live outside Canada

You must be 65 years of age or older, a Canadian citizen or an authorized resident and have lived in Canada for a minimum of 20 years following your 18th birthday.

Learn more about eligibility for OAS pension .

When does the pension payments start?

The beginning of the pension payments is on the date of your 65th birthday.

Defer pension payments

Since July 2013 you have the possibility to postpone your pension payments for a total number of 60 months maximum. In this way, you increase your monthly payment by 0.6%, on all of your future monthly amounts. The maximum is 36% at the age of 70.

However, delaying your old age security will prevent you from getting your guaranteed income supplement.

The partial pension

You can get up to 10/40 of the full pension if you live in Canada when you receive the pension and if you lived in Canada for a minimum of 10 years after your 18th birthday.

For the old-age security pension, the maximum monthly payment is:

  • From January to March 2024: $713,34 for an income of less than $142 609$, 75 year+ = 148 179$ )

Guaranteed Income Supplement

This extra amount offered to low-income people is tax-free and depends on your marital status.

Explanation of benefit calculations

The calculation of Guaranteed Income Supplement benefits depends on your individual or combined annual net income for the previous year and your marital status.

Tables provided by the Government of Canada provide benefit brackets based on your salary.

2024 Maximum Payments table

GIS table January to March 2024

Marital status Maximum monthly payment Maximum annual net income
Single, widowed or divorced $1065,47 $21 624 (individual income)
Spouse receives OAS $ 641,35 $ 28 560 (combined income)
Spouse does not receive OAS $1 065,47 $ 51 840 (combined income)
Spouse receives the allowance $641,35 $39 984 (combined income)

Allocation TABLE

These amounts are not taxable

Note that the survivor allowance amount is only available to people between 60 and 64 years old.

Table from January to March 2024

Marital status Maximum monthly payment Maximum annual net income
Spouse receives OAS and GIS $1 354,69 $ 39 984 (combined income)
Surviving Spouse $ 1 614,89 $ 29 112 (Individual Income)

Old age pension dates Canada

Here are the dates of the pension paiements.

  • January 29, 2024
  • February 27, 2024
  • March 26, 2024
  • April 26, 2024
  • May 29, 2024
  • June 26, 2024
  • July 29, 2024
  • August 28, 2024
  • September 25, 2024
  • October 29, 2024
  • November 27, 2024
  • December 20, 2024

For more details, visit the page of amount of old age security payments.


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