OAS Deferral Calculator
This OAS deferral calculator shows how starting Old Age Security at different ages affects your long-term benefits. It incorporates inflation indexing, the 10% increase at age 75, residency adjustments, clawback treatment, and optional investment growth to give a clearer picture of the trade-offs.
Compare annual and cumulative OAS payments, view the breakeven age between start dates, and better understand how the timing of your OAS decision can influence retirement income planning.
OAS Deferral Breakeven Calculator
Disclaimer: All information shown is illustrative and for general educational purposes only. Results are estimates and do not account for all variables. This information is not intended to be comprehensive investment, tax, financial, or legal advice, and should not be considered personal investment advice, an offer, or a solicitation to buy or sell investment products. Every effort has been made to ensure the information is accurate; however, accuracy cannot be guaranteed. Tax rules and other factors change frequently, and past performance does not guarantee future results. Investing involves risk, including the potential loss of principal. Hemisphere Capital Management Inc. accepts no responsibility for decisions made in reliance on this information. Please consult a portfolio manager before making any investment decisions. This information is intended for residents of Canada and may not apply in other jurisdictions.