GIS Calculator
Guaranteed Income Supplement 2026
Estimate your Guaranteed Income Supplement for July to September 2026 from Service Canada's own benefit table. Up to $1,123.17 a month for a single pensioner — $1,875.14 with the full OAS pension — reduced as your 2025 income rises, with the $5,000 + 50% earnings exemption applied for you.
Read the full answer — method, rates and figures
Quick answer: The maximum Guaranteed Income Supplement for July to September 2026 is $1,123.17 a month for a single, divorced or widowed OAS pensioner, and $676.09 a month each for a couple who both receive OAS. With the full OAS pension of $751.97, a single pensioner aged 65 to 74 with no other income receives $1,875.14 a month.
GIS is income-tested on the previous year's income excluding OAS and GIS: it stops at $22,800 for a single person, $30,096 combined if the partner receives OAS, $42,144 if the partner receives the Allowance, and $54,624 if the partner receives neither. For a single pensioner it falls by $1 a month for every $24 of annual income, plus a top-up that runs out at $10,352.
The first $5,000 of employment income and half of the next $10,000 are exempt, per person. TFSA withdrawals do not count.
GIS is non-taxable and requires receiving OAS; amounts are re-indexed quarterly, next in October 2026. Sources: ESDC table of benefit amounts (open.canada.ca); Old Age Security Act.
CPP, workplace pension, RRSP/RRIF withdrawals, interest, dividends. Not TFSA withdrawals.
The first $5,000 and half of the next $10,000 are exempt.
Your estimated GIS, July to September 2026
$603.17 / month
$7,238.04 a year, non-taxable
Assumes the full OAS pension. GIS is re-indexed quarterly; these are the July to September 2026 amounts.
Last reviewed 17 September 2026 by the Richify AI agent team.
Reviewed by Felix, Richify's AI CFO — an AI author, presented as one.
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See my retirement incomeHow it works
The Guaranteed Income Supplement is a monthly, non-taxable benefit paid on top of Old Age Security to pensioners with low incomes. Unlike OAS, which depends on how long you lived in Canada, GIS depends almost entirely on income: the lower your previous-year income, the more you receive, down to $0 at the cut-off for your situation.
Where the amounts come from
Service Canada publishes GIS amounts as a table: one row per income band ($24 wide for a single person), with the monthly amount for each. This calculator looks your income up in that official table for July to September 2026, so every result matches a published row to the cent. For a single pensioner the pattern is simple: GIS falls by $1 a month for every $24 of annual income, and an extra top-up for the lowest incomes falls by $1 for every $48 above $2,000 until it runs out at $10,352.
Why the amount changes four times a year
GIS is re-indexed to the Consumer Price Index every January, April, July and October, and never falls when prices do. The income cut-offs are reset each July. These are the July to September 2026 amounts; the table is replaced in October 2026.
Primary sources: Employment and Social Development Canada, Old Age Security — Table of Benefit Amounts by marital status and income level (July to September 2026, open.canada.ca); Maximum Benefit Amounts and Related Figures (canada.ca); Guaranteed Income Supplement — Do you qualify and How much you could receive (canada.ca); Old Age Security Act, s. 2 (definition of income) and s. 12. This is an estimate, not a determination of entitlement — Service Canada decides your actual payment.
Last updated 17 September 2026.
GIS amount by income, July to September 2026
Monthly Guaranteed Income Supplement at each level of 2025 income (excluding OAS and GIS, after any earnings exemption), read from Service Canada's published table. For couples, income is the two partners' combined total and the amount shown is what each GIS recipient receives.
| Income | Single | Couple, both OAS (each) | Partner, no OAS |
|---|---|---|---|
| $0 | $1,123.17 | $676.09 | $1,123.17 |
| $2,000 | $1,040.17 | $635.09 | $1,123.17 |
| $5,000 | $853.17 | $562.09 | $1,113.17 |
| $8,000 | $665.17 | $469.09 | $1,082.17 |
| $10,000 | $541.17 | $418.79 | $1,041.17 |
| $12,000 | $449.20 | $376.79 | $978.17 |
| $15,000 | $324.20 | $314.79 | $885.17 |
| $20,000 | $116.20 | $210.79 | $729.17 |
| $25,000 | $0.00 | $106.79 | $617.20 |
| $30,000 | $0.00 | $1.79 | $512.20 |
| $40,000 | $0.00 | $0.00 | $304.20 |
| $50,000 | $0.00 | $0.00 | $96.20 |
GIS stops at $22,800 (single), $30,096 (partner receives OAS) and $54,624 (partner receives neither). Amounts assume the full OAS pension.
OAS plus GIS: the monthly income floor
With no other income, a single pensioner receives the full OAS pension and the maximum GIS together: $1,875.14 a month at 65 to 74 ($22,502 a year), and $1,950.34 from 75, when OAS rises by 10% and GIS does not. GIS is non-taxable, and an income this size is nowhere near the OAS recovery-tax threshold. It is the effective minimum income Canada guarantees a pensioner with a full residence history. Compare it with what Canadians aged 65 and over actually live on with average retirement income in Canada, and work out your own OAS first with the OAS calculator.
How much you can earn and keep GIS: the earnings exemption
Working income is treated more gently than any other income. The Old Age Security Act removes the first $5,000 of employment and self-employment income, and half of the next $10,000, before GIS is calculated — so earning $15,000 or more shields a full $10,000. Each partner gets their own exemption. A worked example for a single pensioner:
- CPP retirement pension: $8,000. Part-time wages: $12,000.
- Earnings exemption: $5,000 + half of $7,000 = $8,500.
- Income for GIS: $20,000 − $8,500 = $11,500.
- GIS: $470.20 a month — against $116.20 if the same $20,000 had all come from a pension or RRIF.
The same logic runs in reverse for savings. For a single pensioner, every $1 withdrawn from an RRSP or RRIF cuts the following year's GIS by 50 cents — and by 75 cents below $10,352, where the top-up shrinks too — while a TFSA withdrawal counts for nothing. For anyone likely to qualify for GIS, that makes the TFSA the stronger account — run the numbers with the RRSP vs TFSA calculator.
How to use this calculator
- Choose your situation: single, or which benefit your spouse or common-law partner receives. The couple tables differ, and the amounts are not simply the single amount halved.
- Enter your 2025 income other than OAS, GIS and earnings — CPP, pensions, RRSP or RRIF withdrawals, interest and dividends. Leave TFSA withdrawals out.
- Enter your employment and self-employment income separately. The calculator removes the first $5,000 and half of the next $10,000 for you.
- If you have a partner, enter their income the same way. Their earnings get their own exemption before the two incomes are combined.
- Read the result: your monthly GIS for July to September 2026 from Service Canada's own table, your total with the full OAS pension, and how much of your income was exempt.
❓ Frequently Asked Questions
How much is the Guaranteed Income Supplement in 2026?
For July to September 2026 the maximum GIS is $1,123.17 a month for a single, divorced or widowed pensioner, and $676.09 a month each when both partners receive OAS. Added to the full OAS pension of $751.97, a single pensioner aged 65 to 74 with no other income receives $1,875.14 a month, or $1,950.34 from age 75.
Those are maximums: GIS falls as your 2025 income rises and stops entirely at $22,800 of annual income for a single person. The amounts are re-indexed every January, April, July and October, so the next change is in October 2026.
What is the income limit for GIS?
The annual income cut-offs for July to September 2026, based on 2025 income excluding OAS and GIS, are: $22,800 if you are single, divorced or widowed; $30,096 combined if your spouse or common-law partner receives the full OAS pension; $42,144 combined if your partner receives the Allowance; and $54,624 combined if your partner receives neither. Those are the incomes at which GIS reaches $0 — the amount shrinks steadily well before that.
The cut-offs are measured after the earnings exemption, so a working pensioner can have a higher gross income than these figures and still qualify.
How much can I earn and still get GIS?
The first $5,000 of employment or self-employment income is ignored, and so is half of the next $10,000 — up to $10,000 exempt in total once you earn $15,000. This is set out in the Old Age Security Act and applied to each person separately, before a couple's incomes are combined.
So a single pensioner with $8,000 of CPP and $12,000 of wages is assessed on $11,500, not $20,000, and receives $470.20 a month in GIS rather than $116.20. The exemption applies only to earnings: CPP, workplace pensions, RRSP and RRIF withdrawals, interest and dividends all count in full.
TFSA withdrawals do not count at all.
What income counts for the Guaranteed Income Supplement?
GIS is tested on your previous calendar year's income — 2025 income for payments from July 2026 to June 2027 — excluding the OAS pension and GIS itself. CPP and QPP benefits, employer pensions, RRSP and RRIF withdrawals, employment and self-employment income (less the earnings exemption), interest, dividends and the taxable part of capital gains are all counted.
TFSA withdrawals are not income and never reduce GIS, which is why low-income retirees are often better served by a TFSA than an RRSP. For a couple, both partners' incomes are added together.
Do I have to be receiving OAS to get GIS?
Yes. To receive the Guaranteed Income Supplement you must be 65 or older, receive the Old Age Security pension, live in Canada, not be under a sponsorship agreement, and have income below the cut-off for your situation.
Because GIS depends on OAS, deferring your OAS pension past 65 also defers GIS — which is why deferral, however attractive its 36% increase at 70 looks, is usually the wrong choice for anyone who would qualify for GIS. Sponsored immigrants cannot receive GIS while the sponsorship lasts; from 1 October 2025, parent and grandparent sponsorships run 20 years in every province except Quebec.
What is the Allowance, and how does it interact with GIS?
The Allowance is a separate benefit for the 60-to-64-year-old spouse or common-law partner of a GIS recipient. It is worth up to $1,428.06 a month for July to September 2026 and stops at a combined income of $42,144.
The partner must also have lived in Canada for at least 10 years since age 18 and not be under a sponsorship agreement. When your partner receives the Allowance, your own GIS maximum is $676.09 — the couple rate — and this calculator shows both amounts.
The Allowance ends when your partner turns 65 and can apply for OAS and GIS in their own right.
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Further Reading
GIS depends on every dollar of income. See all of yours.
Richify puts your CPP, OAS, RRIF, TFSA and savings in one place, so you can see how a withdrawal changes your income-tested benefits before you make it.
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