Guide
How much CPP and OAS will I get, after tax?
The maximum CPP at sixty-five is $17,196 a year and OAS is $8,732, rising by 10.0% at seventy-five. Almost nobody gets the CPP maximum, both are taxed, and OAS is clawed back above $93,454 of income. Here is what six households actually keep, at the age each starts.
The short answer
CPP depends on what you contributed over your working life; the maximum, $17,196 a year at sixty-five, needs near-maximum contributions for most of forty years. OAS depends on years of residence in Canada, not on contributions: $8,732 a year from sixty-five with full residence, $9,605 from seventy-five. Both count as income, so what you keep is what is left after your marginal rate, and above $93,454 of net income OAS starts to be recovered.
Six households, at the age each starts
Each row is one person in one of the sample households, in the first year the benefit is paid, in today’s dollars. “After tax” applies that person’s average income tax rate for the year to the benefit, which is the fair share of the tax bill the benefit causes. The Quebec couple are in the QPP rather than CPP; the amounts follow the same rules.
| Person | CPP starts | CPP | CPP after tax | OAS starts | OAS after clawback | OAS after tax | Average tax rate |
|---|---|---|---|---|---|---|---|
| Ontario couple, first person | 65 | $15,200 | $11,773 | 65 | $5,398 | $4,181 | 22.5% |
| Ontario couple, second person | 65 | $13,800 | $10,688 | 65 | $5,398 | $4,181 | 22.5% |
| BC single, first person | 70 | $17,040 | $14,884 | 65 | $8,613 | $7,290 | 15.4% |
| Alberta retiree, first person | 66 | $11,400 | $10,032 | 66 | $8,700 | $7,656 | 12.0% |
| Quebec couple, first person | 65 | $17,062 | $13,216 | 65 | $8,664 | $6,711 | 22.5% |
| Quebec couple, second person | 67 | $12,264 | $10,306 | 67 | $9,834 | $8,264 | 16.0% |
| Nova Scotia couple, first person | 72 | $6,200 | $6,200 | 72 | $8,700 | $8,700 | 0.0% |
| Nova Scotia couple, second person | 74 | $7,900 | $7,895 | 74 | $8,700 | $8,695 | 0.1% |
| Ontario single parent, first person | 65 | $11,000 | $10,859 | 65 | $8,380 | $8,272 | 1.3% |
The Ontario couple, 52 and 52 and earning $125,000 and $98,000, get $15,200 and $13,800 of CPP at 65: $11,773 and $10,688 after tax at their average rates of 22.5% and 22.5%. The single person in British Columbia starts at 70 and gets $17,040, because of the late-start increase. The retired single person in Alberta, already drawing both, keeps $10,032 of $11,400.
OAS at seventy-five
For the older person in the Nova Scotia couple, OAS is $8,700 at seventy-four and $9,570 at seventy-five, an increase of $870 a year that arrives automatically.
The Guaranteed Income Supplement
The Nova Scotia couple, 72 and 74 with $96,000 of savings, receive the Guaranteed Income Supplement on top of OAS: $7,328 between them in the year the first person is 73, on a household income of $35,291. GIS is tested on the previous year’s income, and TFSA withdrawals do not count toward it, which is the reason a low-income retiree should draw a TFSA before an RRSP.
Computed with Retirafy’s engine on the 2025 federal and provincial tables, in today’s dollars. How the projection works.
See your own CPP and OAS, after taxFree for one household. No card, no password.