Canada OAS and GIS Calculator
CanadaのCanada OAS and GIS Calculator。現地ルールとCA$通貨対応。
地域ルールの詳細
Canada の税率とルール
値を入力
Must be 65 or older to receive OAS
10 years minimum to qualify, 40 years for full pension
Total income from all sources except OAS
結果
上の欄に値を入力し、「計算する」をクリックしてください。
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Canada OAS and GIS Calculatorの計算式を説明したり、結果を解釈したり、フォローアップの質問に答えることができます。
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Old Age Security and Guaranteed Income Supplement calculator for 2026. OAS is available to Canadians 65+ with at least 10 years of residence. Full pension requires 40 years. Maximum OAS: $713.34/month (65-74) or $727.67/month (75+). OAS clawback starts at $90,997 at 15%. GIS maximum for single seniors is $1,086.88/month. GIS is reduced by $1 for every $2 of other income. OAS is taxable, GIS is not. Benefits indexed quarterly to CPI.
免責事項: この計算機は公開されている規則に基づいています。結果は情報提供のみを目的としています。正確な情報は公式の情報源または専門家にご確認ください。 最終確認日: 2026年4月1日。
計算式
OAS is prorated based on years of Canadian residence after age 18, up to 40 years for a full pension. A recovery tax (clawback) of 15% applies on income above $90,997. GIS is income-tested: for every $2 of other income (excluding OAS), GIS is reduced by $1.
よくある質問
How much OAS will I receive in 2026?
The maximum monthly OAS pension for Q1 2026 is $713.34 for seniors aged 65 to 74 and $727.67 for those 75 and older. If you have less than 40 years of Canadian residence after age 18, you receive a proportional amount. For example, 30 years of residence gives you 75% of the maximum.
What is the OAS clawback threshold for 2025?
The OAS recovery tax applies when your net income exceeds $90,997. For every dollar above this threshold, you repay 15 cents. For a senior aged 65 to 74 receiving the full OAS pension of $713.34/month, benefits are fully clawed back at approximately $148,451 of net income.
How much GIS can a single senior receive?
A single, widowed, or divorced senior can receive up to $1,086.88 per month in GIS for 2025. This amount decreases as your annual income (excluding OAS) increases. At approximately $22,056 of other annual income, GIS reaches zero for single recipients.
Is OAS taxable in Canada?
Yes, OAS pension payments are taxable income. You can request that tax be deducted at source from your OAS payments. However, the Guaranteed Income Supplement is completely non-taxable and does not need to be reported as income.
Can married couples both receive GIS?
Yes. Each spouse in a married or common-law couple can receive GIS, up to $654.23 per month each when both are receiving OAS. The GIS amount is calculated based on the couple combined income. The reduction rate is $1 for every $4 of combined income for couples.
Should I defer my OAS pension?
You can defer OAS for up to 60 months past age 65. Each month of deferral increases your pension by 0.6%, for a maximum increase of 36% at age 70. Deferral is beneficial if you have other retirement income and expect to live past approximately 81. However, you cannot receive GIS while deferring OAS.
Do I need to apply for OAS?
In many cases, Service Canada automatically enrolls you for OAS. You will receive a notification letter the month after you turn 64. If you do not receive this letter, you should apply at least 6 months before you turn 65 using Form ISP-3000 or through My Service Canada Account online.
AIアシスタント
この計算機について質問する
Canada OAS and GIS Calculatorの計算式を説明したり、結果を解釈したり、フォローアップの質問に答えることができます。
質問してみましょう
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