Quick answer: For July to September 2026, the maximum monthly Old Age Security (OAS) pension is $751.97 at ages 65 to 74 and $827.17 at age 75 or older. The OAS recovery tax is a different calculation: for payments from July 2026 to June 2027, it uses your 2025 net world income and begins above $93,454. These are maximums and thresholds, not a promise of what you will receive.
What this means: The OAS payment rate is reviewed quarterly, while the income year used for recovery tax changes each July. Your own OAS can be lower because of your years of residence in Canada, deferral, or recovery tax. A quarterly maximum multiplied by 12 is not an official annual payment amount because later quarters can change.
What to do next: Check Service Canada's current OAS payment table. For a personal estimate, use the official OAS Benefits Estimator linked there. Our 2026 OAS changes guide explains which income year goes with each payment period.
Current maximum OAS payments
- Ages 65 to 74: up to $751.97 a month.
- Age 75 or older: up to $827.17 a month.
These are the published maximums for the stated quarter. Service Canada says the amounts are reviewed in January, April, July and October. It has announced a 1.4% adjustment for October to December 2026, but the next quarter's dollar table was not yet posted when this page was checked on September 27. Do not use the figures above as October amounts.
Why your payment can be lower
Service Canada considers your age, how long you lived in Canada after age 18, and your income. A partial OAS pension can apply if you have fewer than 40 years of Canadian residence after age 18. The standard maximum table is not a reliable personal estimate for a partial pension; Service Canada says to contact them for details.
OAS is taxable income. The payment table gives maximums before any recovery tax or other deductions. It does not show what will reach your bank account.
What the OAS recovery tax is
The recovery tax, often called the “clawback,” means that some or all of your OAS must be repaid when your net world income is above the threshold for the applicable income year. The basic calculation is 15% of income above that threshold, subject to the amount of OAS received. This is separate from the quarterly payment-rate adjustment.
For the payment period July 2026 to June 2027, the applicable income year is 2025 and the starting threshold is $93,454. The official table lists full-recovery thresholds of $152,062 for ages 65 to 74 and $157,923 for age 75 or older. A full-recovery threshold is not the point at which the tax begins; the lower $93,454 threshold is.
Match the income year to the payment period
- OAS paid July 2025–June 2026: 2024 income; recovery starts above $90,997.
- OAS paid July 2026–June 2027: 2025 income; recovery starts above $93,454.
- OAS paid July 2027–June 2028: 2026 income; recovery starts above $95,323.
The 2026-income threshold does not set the recovery tax on OAS paid in September 2026. It applies to payments beginning in July 2027. The official table currently lists $155,109 as the 65-to-74 full-recovery threshold for 2026 income and marks that ceiling as an estimate until October. Check the official table before using it later.
A worked recovery-tax example
Suppose your 2025 net world income was $100,000. The amount above the $93,454 threshold is $6,546. At 15%, the illustrative recovery tax is $981.90 for the July 2026–June 2027 recovery period. This matches Service Canada's published example.
That calculation does not tell you your exact monthly OAS deposit. Your payment rate can change during that 12-month period, and your own pension may be partial. Use your official notice or ask Service Canada for your actual amount.
How to estimate your own OAS
Start with the official payment amounts and estimator. The estimator asks for the details a simple rate table cannot capture. It is a better place for a personal estimate than multiplying one quarter's maximum by 12.
If you are looking specifically at the recovery-tax threshold, use Service Canada's recovery-tax table. Keep the income year and payment period beside any figure you save.
If your income or circumstances change
Do not assume a calculator result determines what Service Canada or the Canada Revenue Agency will withhold. Check the notice that explains your payment or recovery-tax deduction. If the income on which the deduction was based is no longer representative, contact the agency about the applicable review process before changing a tax return or benefit application.
If you receive a partial pension, live outside Canada, or have a situation that does not fit the basic table, ask Service Canada for a case-specific explanation. The maximum-payment table expressly warns people with a partial pension not to use it to determine their payment.
Common mix-ups
- Calling a maximum your payment. The published amount is an upper limit for a category, not a personal quote.
- Using an old quarter as “current.” Check the period beside every OAS amount before using it.
- Using 2026 income for 2026 payments. The July–December 2026 recovery period uses 2025 income.
- Treating a 12-month illustration as an official annual amount. OAS rates can change within those 12 months.
- Confusing a starting threshold with full recovery. Recovery begins above $93,454 for 2025 income; the full-recovery thresholds are much higher.
Frequently asked questions
- What is the maximum monthly OAS right now?
- For July to September 2026, it is $751.97 at ages 65 to 74 and $827.17 at age 75 or older. Check Service Canada's payment page for a later quarter.
- Does the $95,323 threshold apply to OAS paid in 2026?
- No. That threshold is for 2026 income and the recovery period beginning July 2027. OAS paid from July 2026 to June 2027 uses the $93,454 threshold for 2025 income.
- Is the recovery tax 15% of all my income?
- No. The basic calculation applies 15% only to net world income above the threshold for the relevant income year, subject to the OAS you received.
- Can I use the published maximum to budget a full year?
- Use it as a starting point, not a guarantee. The published maximum is monthly and tied to a quarter; your own pension and future quarterly rates may differ.
Related guides
- What changed in OAS for 2026 separates 2026 payment rates from income-year thresholds.
- GIS eligibility in Canada explains the separate income-tested supplement for some OAS recipients.
Amounts basis
The OAS and GIS figures on this page are dated July–September 2026. Recovery-tax thresholds are labelled by income year and July–June payment period. The page was fact-checked on September 27, 2026; a later edit date does not mean that the official amounts were rechecked. Review this page when Service Canada publishes its October–December 2026 dollar table.