GIS Calculator 2026: Income Limits, Amounts and How It Is Reduced
GIS calculator
GIS maximum amounts and income limits (October to December 2026)
| Benefit | Maximum monthly amount | Income cut-off | Top-up ends at |
|---|---|---|---|
| GIS, single person who receives OAS | $1,138.90 | $23,112 | $10,496 |
| GIS, spouse or partner receives OAS | $685.56 each | $30,528 combined | $8,800 combined |
| GIS, spouse or partner receives the Allowance | $685.56 | $42,768 combined | $8,800 combined |
| GIS, spouse or partner receives neither OAS nor the Allowance | $1,138.90 | $55,392 combined | $20,992 combined |
| Allowance (age 60 to 64) | $1,448.06 | $42,768 combined | $8,800 combined |
| Allowance for the Survivor | $1,726.18 | $31,152 | $10,496 |
| OAS pension, 65 to 74 / 75 and over (for reference) | $762.50 / $838.75 | Not applicable | Not applicable |
The maximums already include the top-up, which is paid only at the lowest incomes. These are the figures in the official quarterly table for October to December 2026. The amounts are reviewed every January, April, July and October.
Estimated GIS at different incomes
| Yearly income (excluding OAS) | Single | Couple, both receive OAS (each, combined income) | Spouse has no OAS (combined income) |
|---|---|---|---|
| $0 | $1,138.90 | $685.56 | $1,138.90 |
| $5,000 | $869.17 | n/a | n/a |
| $10,000 | $556.67 | $427.67 | n/a |
| $15,000 | $338.00 | n/a | n/a |
| $20,000 | $129.67 | $219.33 | $747.67 |
| $30,000 | $0.00 | $11.00 | n/a |
| $40,000 | $0.00 | $0.00 | $320.67 |
Monthly estimates from this page’s calculator, after the work-income exemption. They can differ from your official amount by a dollar or two.
How GIS is reduced when your income goes up
- Single: the basic GIS falls by $1 for every $2 of yearly income. The top-up falls by 25 cents for each dollar of income above $2,000.
- Couples: each partner’s basic GIS falls by $1 for every $4 of combined income. The top-up falls by 25 cents for each dollar of combined income above $4,000.
- Your OAS pension does not count as income for GIS.
- Work income: the first $5,000 of employment or self-employment income is excluded, plus 50% of the next $10,000.
- Income year: GIS is based on your income from the previous year, so a one-time RRSP or RRIF withdrawal can lower your GIS for the following payment year. Our RRSP and GIS calculator looks at that case.
When is GIS paid?
GIS is paid together with your OAS pension. The remaining 2026 payments are November 26 and December 22. See OAS payment dates and the benefit payment calendar.
Not sure you qualify? Read who is eligible for the GIS, the GIS table for couples and our OAS guide. If your income is high instead, see the OAS clawback calculator.
Frequently asked questions
What is the maximum GIS for October to December 2026?
$1,138.90 a month for a single, widowed or divorced pensioner, and also for a pensioner whose spouse or partner receives neither OAS nor the Allowance. It is $685.56 a month each when your spouse or partner receives OAS or the Allowance. These maximums already include the top-up.
What are the GIS income limits for October to December 2026?
GIS stops when your yearly income reaches $23,112 (single), $30,528 combined (spouse receives OAS), $42,768 combined (spouse receives the Allowance) or $55,392 combined (spouse receives neither OAS nor the Allowance). The top-up ends at lower incomes: $10,496, $8,800 and $20,992 depending on your situation.
How much does GIS go down when I have other income?
Under the Old Age Security Act the basic GIS falls by $1 for every $2 of yearly income for a single person, and by $1 for every $4 of combined income for each partner in a couple. The top-up falls by 25 cents for every dollar of income above $2,000 (single) or combined income above $4,000 (couples).
Does my OAS pension count as income for GIS?
No. The income cut-offs exclude the OAS pension itself.
Is work income counted for GIS?
Only part of it. The first $5,000 of employment or self-employment income is excluded, plus 50% of the next $10,000 (income between $5,000 and $15,000).
When is GIS paid?
GIS is paid with your OAS. The remaining 2026 payments are November 26 and December 22.
How often do GIS amounts change?
Pension amounts are reviewed every January, April, July and October for cost of living. OAS amounts rose 1.4% for October to December 2026, and the January 2027 amounts will be published by Service Canada before that quarter starts.
How accurate is this GIS calculator?
It is an estimate. It uses the official maximums and income cut-offs for October to December 2026 and the reduction rules in the Old Age Security Act, and should land within about $1 to $2 a month of the official tables. Use the Service Canada estimator or your Service Canada account for your exact amount.