Two OAS clawback thresholds exist right now — know both. 1. As of the July 29, 2026 payment, the maximum OAS is $751.97 per month if you’re 65 to 74 — that’s $9,023.64 per year — and it jumps to $827.17 once you hit 75. → $827.17/month at 75 2. There are two clawback thresholds active right now: $93,454 based on your 2025 income affects payments through June 2027, while $95,323 based on your 2026 income affects payments starting July 2027 — and mixing them up is a costly mistake. → $93,454 vs $95,323 3. For every dollar your net income exceeds the applicable threshold, you lose 15 cents of OAS — and your OAS is fully gone once your 2025 net income hits approximately $152,062. → 15 cents per dollar lost 4. Deferring OAS from 65 to 70 permanently boosts your payment by 36%, but the real break-even age is 84 — not 82 or 83 like most guides claim — so run the math for your own situation. → 36% boost, break-even at 84 Full guide linked in bio 🌐 getwealthy.blog #canadafinance #personalfinance #canadianmoneytalk #moneytips #canada
Certified Financial Planner (CFP) and Chartered Investment Manager (CIM) with over 17 years of experience in Canadian personal finance. Spent 10+ years at one of Canada's Big Five banks, the last 7 focused exclusively on high-net-worth clients. Every guide is written with the same depth I bring to real client work — Canada-specific, CRA-verified, and always free.