GIS & OAS calculator 2026
Estimate your Old Age Security pension and Guaranteed Income Supplement from your situation and income.
GIS / OAS Supplement Calculator
Guaranteed Income Supplement & Old Age Security | Based on CRA Guidelines
1. Your Situation
2. Personal Information
3. Annual Income Details
Your Income
Employment / Self-Employment Income
+ ShowSpouse / Partner Income
Employment / Self-Employment Income
+ ShowYour Estimated GIS Benefits
Benefit Breakdown
Income Calculation Details
This is an estimate only. Actual benefits are determined by Service Canada.
Amounts are indexed and updated quarterly by the Government of Canada.
GIS and OAS rates, October to December 2026
Maximum monthly payments and income limits from Service Canada for October to December 2026. Amounts are adjusted every January, April, July and October.
| Benefit and situation | Maximum per month | Annual income must be under |
|---|---|---|
| OAS pension, age 65 to 74 | $762.50 | $152,062 (your net world income) |
| OAS pension, age 75 and over | $838.75 | $157,923 (your net world income) |
| GIS, single, widowed or divorced | $1,138.90 | $23,112 |
| GIS, spouse or partner gets the full OAS pension | $685.56 | $30,528 (combined) |
| GIS, spouse or partner gets the Allowance | $685.56 | $42,768 (combined) |
| GIS, spouse or partner gets neither OAS nor the Allowance | $1,138.90 | $55,392 (combined) |
| Allowance (age 60 to 64, spouse gets GIS and full OAS) | $1,448.06 | $42,768 (combined) |
| Allowance for the Survivor (age 60 to 64) | $1,726.18 | $31,152 |
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 October to December 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 $1,138.90/month
- Spouse/partner receives full OAS — Maximum GIS of $685.56/month
- Spouse/partner does not receive OAS — Maximum GIS of $1,138.90/month
- Spouse/partner receives the Allowance — Maximum GIS of $685.56/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.
Common questions
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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 $23,112 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.