Quick estimate
Quick estimate for one person
This version is only for a single, widowed, divorced, or separated person. Married and common-law couples use the signed-in full estimator below.
October update: Federal OAS benefits, including GIS and the Allowance benefits, increased by 1.4% for October–December 2026. This estimator uses the complete official October–December payment table.
Your information stays on this device. The estimate is calculated in your browser and is not sent to RetireON.
Important limitations
Planning estimate, not an entitlement decision
The estimator uses 2025 income for the July 2026 to June 2027 payment period and October–December 2026 monthly amounts. Service Canada may use estimated current-year income after retirement or another income change. The estimator assumes that any selected social-security-agreement qualification or sponsorship exception has already been confirmed.
OAS recovery tax uses individual net world income including taxable OAS, without the GIS employment exemption. The quick estimate uses current monthly OAS before recovery × 12 as a proxy for 2025 OAS. The detailed form lets you enter actual 2025 OAS or adjusted net world income for a more accurate recovery estimate.
The estimator uses the complete official October–December payment table rather than projected amounts.
Incarceration, involuntary separation for reasons beyond a couple’s control, month-specific age changes, retroactive adjustments, and every treaty-specific qualification test are not modelled. Confirm important results with Service Canada.