Free GIS Supplement Calculator for 2026 — No Sign-Up Required

Use our free GIS supplement calculator to instantly estimate your Guaranteed Income Supplement (GIS) benefits for 2026. No sign-up required — simply enter your income details and get accurate results in seconds. This calculator uses the latest Service Canada OAS/GIS benefit tables effective January to March 2026.

What Is the Guaranteed Income Supplement (GIS)?

The Guaranteed Income Supplement (GIS) is a monthly tax-free benefit paid to low-income Old Age Security (OAS) pensioners in Canada. If you are 65 or older and receive OAS, you may qualify for the GIS based on your annual income. The GIS amount depends on your marital status, living situation, and income level. Use our free calculator below to find out how much you could receive — no sign-up required.

How Does This Free GIS Calculator Work?

Our free GIS supplement calculator covers all four benefit situations recognized by Service Canada:

• Single, widowed, or divorced — Maximum GIS of $1,086.88/month
• Spouse/partner receives full OAS — Maximum GIS of $654.23/month
• Spouse/partner does not receive OAS — Maximum GIS of $1,086.88/month
• Spouse/partner receives the Allowance — Maximum GIS of $654.23/month

Enter your annual income below and the calculator instantly computes your estimated monthly GIS payment, annual total, and shows the income thresholds. No sign-up, no email, completely free.

Frequently Asked Questions About the GIS

Who is eligible for the Guaranteed Income Supplement?

You may be eligible for the GIS if you are 65 or older, live in Canada, receive the Old Age Security pension, and have a low annual income. For single seniors, the income threshold is approximately $22,056 per year. For couples, the combined income threshold varies by situation.

Do I need to apply for GIS every year?

If you file your income tax return on time each year, Service Canada will automatically renew your GIS. If you do not file your tax return, your GIS payments may stop. Always file your taxes on time to keep receiving benefits.

Is the GIS taxable income?

No. The Guaranteed Income Supplement is a tax-free benefit. You do not need to report it as income on your tax return.

When are GIS payments made?

GIS is paid monthly along with your Old Age Security pension. Payments are typically deposited on the third-to-last business day of each month.

Can I receive GIS if my spouse is younger than 65?

Yes. If your spouse or common-law partner is between 60 and 64, they may qualify for the Allowance, while you receive GIS at the applicable rate for your situation.