OAS Payment 2025 Canada — Old Age Security Amounts, GIS, and Clawback

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Old Age Security (OAS) is a monthly pension paid to Canadians aged 65 and older. Unlike CPP, OAS is not based on work history — it is funded from general government revenue and eligibility is based on age and Canadian residency. The maximum OAS payment in Q1 2025 is $727.67/month for ages 65–74 and $800.44/month for ages 75+.

OAS Clawback Calculator

Your Net Income for 2024 ($) Your Age Years of Canadian Residency (after age 18, max 40)

GIS Eligibility Estimator (Guaranteed Income Supplement)

Annual Income Excluding OAS ($) Marital Status

OAS Payment Amounts — Q1 2025

Benefit	Monthly Maximum (Q1 2025)
OAS Pension (ages 65–74)	$727.67
OAS Pension (ages 75+, 10% increase)	$800.44
GIS — Single, widowed, divorced	$1,086.88
GIS — Married (spouse gets OAS)	$654.23
GIS — Married (spouse gets Allowance)	$1,086.88
Allowance (age 60–64)	$1,381.90
Allowance for Survivor (age 60–64)	$1,647.34

OAS amounts are adjusted quarterly based on the Consumer Price Index (CPI). They can increase but never decrease.

OAS Eligibility Requirements

To qualify for full OAS, you must:

Be 65 years of age or older
Be a Canadian citizen or legal resident
Have resided in Canada for at least 40 years after age 18

Partial OAS is available if you have 10–39 years of Canadian residency after age 18. You receive 1/40th of the full amount for each year of residence. International Social Security agreements may help fill gaps for those who lived abroad.

OAS Clawback (OAS Recovery Tax)

If your net income exceeds the clawback threshold, you must repay part of your OAS through the tax system. For 2025 (based on 2024 income):

Clawback starts at: $90,997 net income
Rate: 15 cents repaid per $1 of income above the threshold
Full clawback at: ~$148,535 (entire OAS is clawed back)

  Strategy: Consider income splitting, TFSA withdrawals (not counted as income), or deferring OAS to age 70 to minimize clawback exposure.

OAS Deferral: Should You Wait Until 70?

You can voluntarily defer OAS up to age 70. For each month you delay (up to 60 months), your OAS increases by 0.6%, for a maximum increase of 36% if deferred to age 70.

Deferring makes sense if you:

Are still working and don't need the income
Are concerned about clawback (especially with high income in early retirement)
Expect to live past age 79 (approximate breakeven for 65 vs 70 start)

Guaranteed Income Supplement (GIS)

GIS is a non-taxable monthly benefit paid to low-income OAS recipients. It is income-tested — the more income you have, the lower your GIS. GIS is not available to those above the income thresholds. GIS automatically renews each year when you file your tax return, which is why filing taxes is important even for seniors with no taxable income.

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