This calculator estimates your monthly Guaranteed Income Supplement (GIS) by looking up your income in Service Canada’s own GIS tables for October to December 2026. Choose your situation, enter your income for 2025 (the GIS uses the previous calendar year), and it shows your GIS, your OAS and the total.
How to use it
- Pick your situation. Single, widowed or divorced; or a couple where your spouse receives OAS, the Allowance (spouses aged 60 to 64), or neither.
- Enter other income. Count income as it is worked out on your tax return, such as CPP or QPP, workplace and foreign pensions, RRSP and RRIF withdrawals, interest, dividends, taxable capital gains, and net rental income. Leave out OAS, the GIS and TFSA withdrawals.
- Enter employment income separately. The first $5,000 a year doesn’t count, and neither does 50% of the next $10,000; the calculator applies this for each person.
- For a couple, add your spouse’s income. Couples are assessed on combined income.
What the results mean
For October to December 2026, the maximum GIS is $1,138.90 a month for a single person and $685.56 a month each when both spouses receive the full OAS. The GIS reaches zero at a single income of $23,112, or a combined income of $30,528 when your spouse receives OAS. The calculator shows 0 above those limits.
A few results from the same tables:
| Situation | Income used for the GIS | Monthly GIS |
|---|---|---|
| Single, no other income | $0 | $1,138.90 |
| Single, CPP of $6,000 | $6,000 | $805.90 |
| Single, CPP of $6,000 and $10,000 of wages | $8,500 | $649.90 |
| Couple, both on OAS, combined CPP of $14,400 | $14,400 | $335.57 each |
| Couple, spouse on the Allowance, combined $8,500 | $8,500 | $639.56 GIS, plus $871.06 Allowance |
Source: ESDC, Table of amounts, Tables 1, 2 and 4, October to December 2026.
In the third row, the first $5,000 of wages is exempt and 50% of the next $5,000 is exempt, so $2,500 of the $10,000 counts, on top of the $6,000 of CPP.
Why it uses tables, not a percentage
Service Canada publishes the GIS in income bands (mostly $24 wide for a single person), and the rate at which it falls isn’t the same everywhere: it is faster where the GIS top-up is being reduced, and couples have their own tables. A single flat rate gets parts of the range wrong, so the calculator reads the tables directly. How much can I earn on GIS explains the rates.
What it doesn’t cover
- A partial OAS pension. The calculator assumes a full OAS. With a partial pension your GIS is increased by the amount your OAS falls short of the full pension, so the GIS shown here is too low. See GIS for newcomers.
- CPP and EI contributions. Service Canada subtracts the CPP and EI contributions you paid on employment or self-employment income. The calculator doesn’t, so with earnings your actual GIS can be slightly higher.
- A drop in income this year. The GIS uses last year’s income. If you or your spouse retired or lost pension income, Service Canada can use an estimate of this year’s income instead; see GIS renewal.
- Quarterly changes. The tables change each January, April, July and October; for October to December 2026 benefits rise 1.4%.
For an exact figure, call Service Canada at 1-800-277-9914.
Related pages
Sources
The figures and rules on this page come from these sources, last checked against them between September 22, 2026 and September 29, 2026. How we check facts.
- Employment and Social Development Canada: Contact Old Age Security
- Government of Canada: Old Age Security payment amounts
- Government of Canada: GIS: Allowance - Do you qualify
- Government of Canada: GIS: Allowance - Apply
- Government of Canada: Old Age Security pension recovery tax