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Old Age Security payment amounts

From: Employment and Social Development Canada

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Old Age Security (OAS) pension and benefits

Your Old Age Security pension amount is determined by how long you have lived in Canada after the age of 18. It is considered taxable income and is subject to a recovery tax if your individual net annual income is higher than the net world income threshold set for the year ($79,845 for 2021).

In addition to the Old Age Security pension there are 3 other benefits that you may also qualify for:

  • the Guaranteed Income Supplement
  • the Allowance
  • the Allowance for the Survivor

Payment amounts for these benefits are based on your age, marital status and level of income. They are not considered taxable income.

For Guaranteed Income Supplement, Allowance, or Allowance for the Survivor payments, amounts will be re-calculated each July based on your net income in the previous calendar year. Payments can increase, decrease or even stop according to changes in your annual net income.

Increased Old Age Security pension at age 75 July 2022

Seniors aged 75 and over will see an automatic 10% increase of their Old Age Security pension, as of July 2022.

Estimate your monthly benefits New!

Choose how to use this estimator to begin:

Old Age Security benefits estimator

Answer the following questions to estimate the amount of Old Age Security (OAS) pension, Guaranteed Income Supplement, Allowance or Allowance for the Survivor you may be eligible to receive.

1. Age
What month and year were you born? (required)
2. Residence
Since the age of 18, have you only lived in Canada? (required)
3. Marital status
What is your marital status? (required)
4. Choose your estimate
When did you start or plan to start taking your OAS pension? (required)
You can start at age 65 or defer up until age 70 to receive more. You will receive your first payment the month after the date you choose on your application.
5. Income
$

Annual income includes:

  • Net income from all sources, including foreign income (you can refer to Line 23600 of your income tax return)
  • minus any Old Age Security payments
  • minus your first $5,000 of employment/self-employment income, and 50% of the next $10,000
6. Results

Estimated results:

Starting your OAS pension at age and months

Benefit Amount
OAS pension *$ per month
GIS $ per month
Total $ per month

* When you turn 75 years old, the OAS pension you are receiving at that time will automatically increase by 10%

* This amount includes an automatic 10% increase because you are 75 years or older

If your income is too high

If your net income (line 23600 of your income tax return) exceeds the threshold amount of $, you have to repay some or all of your OAS pension. Learn more about OAS repayment.

If you are over 70 years old

After age 70, there is no advantage in defering your first OAS payment. In fact, you risk losing benefits. If you are over the age of 70 and are not receiving an Old Age Security pension, apply now.

You may not be eligible for the GIS if:

  • you are a single, widowed, or divorced OAS recipient and your income is higher than $
  • you and your spouse/common-law partner are both receiving the OAS pension and your combined income is higher than $
  • your spouse/common-law partner receives the Allowance and your combined income is higher than $
  • your spouse/common-law partner does not receive an OAS pension and your combined income is higher than $

It may be beneficial to apply for the GIS even if you believe that you’re not eligible. Once your application is approved, you will be automatically considered for the GIS each year based on the incomes you and your spouse/partner provide on your income tax return. If your combined income drops below the GIS eligibility threshold, you will automatically start receiving GIS payments the following July.

Benefit Amount
Allowance (age 60 to 64) $ per month
Benefit Amount
Allowance for the Survivor (age 60 to 64) $ per month

This is just an estimate. It is based on the information you have just entered in this estimator. Changes to your circumstances (income, age, residence, marital status) may modify your result.

Note about inflation: Old Age Security benefit rates are adjusted quarterly to increases in the cost of living. This estimator is based on the current rates (January to March 2023). Future amounts may be higher due to inflation.

Maximum payments and income thresholds

If you are receiving a partial OAS pension

If you are receiving a partial Old Age Security pension, you should contact us for more information about your OAS pension, Guaranteed Income Supplement or your spouse`s or common-law partner`s Allowance payment amounts.

If you are receiving a full OAS pension

Old Age Security (OAS) pension amounts - January to March 2023
Age Maximum monthly payment amount Your annual net world income in 2021 must be
65 to 74 $687.56 Less than $129,757
75 and over $756.32 Less than $129,757

Guaranteed Income Supplement (GIS) amounts - January to March 2023

If you are a single, widowed or divorced pensioner
Your situation Maximum monthly payment amount Your annual income must be
If you are a single, widowed or divorced pensioner $1,026.96 Less than $20,832
 If you have a spouse or common-law partner
Your situation Maximum monthly payment amount Your annual income plus the annual income of your spouse/common-law partner must be
If your spouse/common-law partner receives the full OAS pension $618.15 Less than $27,552
If your spouse/common-law partner receives the Allowance $618.15 Less than $38,592
If your spouse/common-law partner does not receive an OAS pension or Allowance $1,026.96 Less than $49,920
Allowance amounts – January to March 2023
Your situation Maximum monthly payment amount Your annual income plus the annual income of your spouse/common-law partner must be
If your spouse/common-law partner receives the GIS and the full OAS pension $1,305.71 Less than $38,592
Allowance for the Survivor amounts - January to March 2023
Your situation Maximum monthly payment amount Your annual income must be
If you are a surviving spouse or common-law partner $1,556.51 Less than $28,080

For combined Old Age Security pension and benefit amounts, consult the Quarterly report of Canada Pension Plan and Old Age Security monthly amounts and related figures.

Benefit payment tables based on income

The following tables of amounts (updated quarterly) will show you the amount of your monthly benefit.
Choose the benefit table that best describes your personal situation based on your:

  • marital status
  • annual income level (from the previous year)

Printable version in PDF format (4.90 MB, 103 pages)

Guaranteed Income Supplement

Table 1: If you are single, surviving spouse/common-law partner or divorced pensioners receiving a full Old Age Security pension

Select your annual income range:

Table 2: If you are married or common-law partners, both receiving a full Old Age Security pension

Select your combined annual income range:

Table 3: If you are receiving a full Old Age Security pension whose spouse or common-law partner does not receive an OAS pension

Select your combined annual income range:

Guaranteed Income Supplement and Allowance

Table 4: If you are receiving a full Old Age Security pension and your spouse or common-law partner is aged 60 to 64

Select your combined annual income range:

Allowance for the Survivor

Table 5: If you are a surviving spouse or common-law partner aged 60 to 64 who has not re-married or entered into a common-law partnership

Select your annual income range:

How payments are updated using the Consumer Price Index

Old Age Security payment amounts are reviewed each year in January, April, July and October to ensure they reflect cost of living increases, as measured by the Consumer Price Index (CPI).

Notably:

  • monthly payment rates will increase if the cost of living goes up
  • monthly payment rates will not decrease if the cost of living goes down

Note: Based on changes in the CPI, OAS benefit amounts increased by 0.3% for the January to March 2023 quarter.

Quarterly adjustment calculations

The quarterly adjustment for all OAS benefits, including the Guaranteed Income Supplement (GIS), is based on the difference between the average CPI for 2 periods of 3 months each:

  • the most recent 3-month period for which the CPI is available
  • the last 3-month period where a CPI increase led to an increase in OAS benefit amounts

Calculation of the January 2023 amount

The calculation of the January 2023 amount is based on the CPI for the months of August, September and October 2022, on the one hand, and the months of May, June and July 2022, on the other hand.

On the one hand, the most recent period for which the CPI is available is August, September and October 2022. The average CPI for this period is 153.0.

Most recent 3-month period
Most recent 3-month period CPI
August 2022 152.6
September 2022 152.7
October 2022 153.8
The average for the 3-month period 153.0

On the other hand, the last period where a CPI increase led to an increase in OAS benefit amounts is May, June and July 2022. The average CPI for this period is 152.6.

Last 3-month period where an increase in the CPI led to an increase in OAS benefit amounts
Last 3-month period CPI
May 2022 151.9
June 2022 152.9
July 2022 153.1
The average for the 3-month period 152.6

The difference between the 2 periods represents an increase of 0.3%.

This is calculated as 153.0 minus 152.6, divided by 152.6.

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