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

Your current age OAS start age – Option 1

Enter a starting age for OAS between 65 and 70.

OAS start age – Option 2

Enter a later starting age for OAS to compare.

Inflation rate for OAS payments (%)

OAS payments and clawback thresholds are indexed by this rate each year.

Optional: Adjust OAS if you have lived in Canada for fewer than 40 years.

Optional: Adjust for expected OAS clawback (recovery tax).

Optional: Include investing OAS payments.

The breakeven chart shows the value of your OAS strategy over time, indexed to inflation and including the 10% increase in OAS at age 75. When investing is selected, the breakeven age reflects the invested value of OAS payments after applying the rate of return. The annual payments chart shows the net OAS you receive each year under each option - taking into account clawbacks if selected.

Disclaimer: All information shown is illustrative and estimates only. This information is not intended to be comprehensive investment, tax, financial or legal advice and should not be considered as personal investment advice, an offer, or solicitation to buy and/or sell investment products. Every effort has been made to ensure accurate information has been provided, however accuracy cannot be guaranteed. Tax rules and other factors change frequently. Past investment performance does not guarantee future results. The manager accepts no responsibility for individual decisions arising from the use or reliance on the information contained herein. Please consult a portfolio manager prior to making any investment decisions.

OAS DEFERRAL CALCULATOR

OAS DEFERRAL BREAKEVEN CALCULATOR

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