OAS and GIS Payment Amounts
Maximum monthly Old Age Security, Guaranteed Income Supplement and Allowance amounts for Q4 2026 (Oct–Dec 2026), with the income at which each one stops. Below the table, see how much GIS a single senior actually gets at each level of other income.
Get your own OAS and GIS amount
The maximums below are the most anyone can receive. Your amount depends on your income, your partner's situation and your years in Canada.
Maximum amounts, Q4 2026 (Oct–Dec 2026)
| Benefit | Max per month | Stops at (annual) |
|---|---|---|
| OAS pension, age 65 to 74 | $762.50 | $155,320 net income at which OAS is fully recovered |
| OAS pension, age 75 and over | $838.75 | $161,320 net income at which OAS is fully recovered |
| GIS, single, widowed or divorced | $1,138.90 | $23,112 your income |
| GIS, partner receives the full OAS | $685.56 | $30,528 combined income |
| GIS, partner receives no OAS | $1,138.90 | $55,392 combined income |
| GIS, partner receives the Allowance | $685.56 | $42,768 combined income |
| Allowance (partner aged 60 to 64) | $1,448.06 | $42,768 combined income |
| Allowance for the Survivor (aged 60 to 64) | $1,726.18 | $31,152 your income |
GIS and Allowance cut-offs exclude OAS and the GIS itself. The OAS rows show where the recovery tax takes the whole pension back, using 2026 income.
How much GIS will I get at my income?
For a single senior aged 65 to 74 with full OAS. "Other income" means everything except OAS and GIS: CPP, RRIF withdrawals, workplace pensions, interest. GIS falls by about 50% of each extra dollar, and faster in the lowest band where the top-up phases out.
| Other annual income | GIS per month | OAS + GIS per month |
|---|---|---|
| $0 | $1,138.90 | $1,901.40 |
| $3,000 | $994.17 | $1,756.67 |
| $6,000 | $806.67 | $1,569.17 |
| $9,000 | $619.17 | $1,381.67 |
| $12,000 | $463.00 | $1,225.50 |
| $15,000 | $338.00 | $1,100.50 |
| $18,000 | $213.00 | $975.50 |
| $21,000 | $88.00 | $850.50 |
Computed with the same engine as the OAS + GIS calculator, which also handles couples and employment income.
How the amounts are set
- All four benefits are indexed to the Consumer Price Index every January, April, July and October, and never go down.
- The OAS pension is 10% higher from age 75, automatically.
- GIS is based on the previous year's income, so the amount you receive now reflects your last tax return. A large RRIF withdrawal this year lowers next year's GIS; the drawdown order calculator shows the trade-off.
- OAS is taxable and is recovered at 15% of net income above $95,323 (2026 income). See the clawback calculator.