CPP & OAS Timing
Compare starting CPP at 60 to 70 and OAS at 65 to 70, with break-even ages and the effect on GIS.
Open the calculatorCPP Survivor Benefit
If one partner dies, what could the survivor receive from CPP, OAS and GIS? Shows how the survivor's pension combines with their own CPP.
Open the calculatorDefinitions & How It Connects
Plain-language and technical definitions, a map of how CPP, OAS, GIS and the survivor's pension relate, and if-this-then-that answers.
Open the calculatorIncome Tax Calculator
Federal and provincial tax for every province and territory including Quebec, CPP or QPP, EI, take-home pay, pension splitting, AMT and the main refundable benefits.
Open the calculatorOAS Clawback
See how much OAS you would repay at your income, and what lowering your net income could save.
Open the calculatorRetirement Income
Put CPP, OAS, GIS, a work pension and your savings together and see how long the money lasts.
Open the calculatorTFSA Contribution Room
Work out your 2026 TFSA room, when withdrawals come back, and whether you are near the 1% a month over-contribution penalty.
Open the calculatorTFSA vs RRSP
Put the same money in a TFSA or an RRSP and compare what you keep after tax, using your real tax today and in retirement.
Open the calculatorHow these tools help the people we work with
We built these for the questions clients ask us most, so you can arrive at a meeting with numbers instead of guesses. Nothing you enter is saved.
Individuals and families
See take-home pay in any province, whether the RRSP or the TFSA suits the next dollar, how much TFSA room is left before December 31, and what the Canada Child Benefit and other benefits may add.
Seniors and people near retirement
Compare CPP and OAS start ages, plan around the OAS clawback and GIS, see what pension income splitting could save a couple, and understand what a spouse would receive as a survivor.
Business owners and the self-employed
Test how salary, dividends, capital gains and RRSP contributions change your personal tax and your marginal rate, and check whether a large gain could trigger the alternative minimum tax.
Doctors, dentists, lawyers and other professionals
Compare the personal tax cost of different pay mixes, RRSP and TFSA choices at higher incomes, and donation credits, before we plan your year-end together.
The results are estimates. When the numbers matter, we will work them out for your real situation: email us.
Does GIS affect your CPP or OAS?
No. The Guaranteed Income Supplement is paid on top of OAS and never reduces your CPP or OAS. It works the other way around:
- CPP counts as income for GIS. Every extra dollar of CPP (including a survivor's pension) cuts GIS by about 50 cents for a single person, or about 25 cents each for a couple.
- OAS does not count as income for GIS. You must be receiving OAS to get GIS, so putting off OAS also puts off GIS.
- GIS is not taxable and is not part of the income used for the OAS clawback. People who get GIS are far below the clawback threshold anyway.
- Timing CPP therefore matters less if you get GIS. Starting CPP early or late moves your income, and GIS moves the other way. The timing and survivor calculators build this in.
GIS in these calculators is an estimate from the published income cut-offs. Real GIS is based on last year's income, so always confirm with Service Canada.
Want advice for your own situation?
This free tool is a courtesy of HJ Wu & Company Inc. (CPA), a Vancouver CPA firm offering accounting, tax, financial reporting and review assurance. Tell us what you think of the calculators too.