Guaranteed Income Supplement (GIS) 2026: Amounts and Income Limits

The Guaranteed Income Supplement is a tax-free monthly payment for low-income seniors who get OAS. For October to December 2026, a single senior can get up to $1,138.90 a month if their income is under $23,112. Most people are enrolled automatically with their OAS.

By Sarah Moglin Fact-checked by Samuel Athur

Last verified November 10, 2026 How we check our facts

Free tool: OAS and GIS Estimator 2026: Estimate Your Old Age Security

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Maximum GIS and income limits

Your situation	Income must be under	Maximum GIS per month
Single, widowed or divorced	$23,112	$1,138.90
Spouse or partner gets the full OAS pension	$30,528 (combined)	$685.56
Spouse or partner gets the Allowance	$42,768 (combined)	$685.56
Spouse or partner does not get OAS or the Allowance	$55,392 (combined)	$1,138.90

Amounts for October to December 2026. Income is your net income for 2025, not counting OAS or GIS payments.

The lower your income, the closer you get to the maximum. Your exact amount depends on your income. Use our OAS and GIS estimator to see if you may qualify, and the official estimator for the exact figure.

Who qualifies

You are 65 or older and get the OAS pension.
You live in Canada.
Your income is under the limit for your situation.
You are not under a sponsorship agreement. See GIS for sponsored immigrants.

Do you need to apply?

Usually not: Service Canada tries to enrol you automatically with OAS and tells you by mail. If you are asked to apply, or you started OAS without GIS, see how to apply for GIS.

Keep it coming: file your taxes

GIS is recalculated every July using your income from the previous year. If you don't file your tax return, your GIS can stop or be reduced. File by April 30, even with little or no income.

Good to know

GIS is not taxable.
Delaying OAS does not increase GIS, and you can't get GIS without OAS.
GIS may stop if you are outside Canada for more than 6 months.
The 10% OAS increase at 75 doesn't change your GIS.

Phone numbers

CPP and OAS (also Personal Access Codes for returning CPP/OAS clients)

1-800-277-9914

Agents: Monday to Friday, 8:30 am to 4:30 pm local time. Automated: 24/7.

From outside Canada and the U.S.: 1-613-957-1954 (collect, Eastern time)

TTY: 1-800-255-4786

Free tool OAS and GIS Estimator 2026: Estimate Your Old Age Security Enter your age, years in Canada, start age and income to estimate your monthly OAS for October to December 2026, including a partial pension, the delay bonus, the 10% increase at 75 and the clawback. It also tells you if you may qualify for the GIS. How to Apply for the Guaranteed Income Supplement (GIS) Service Canada tries to enrol you in the GIS automatically when you start OAS. If you get a letter asking you to apply, or you get OAS but never applied for GIS, apply online in My Service Canada Account or mail Form ISP-3025 (GIS only) or ISP-3550 (OAS and GIS). Old Age Security (OAS) 2026: Amounts, Eligibility and How to Apply Old Age Security is a monthly pension for people 65 and older who have lived in Canada at least 10 years after age 18. For October to December 2026 the maximum is $762.50 a month at 65 to 74 and $838.75 at 75 and over. Most people are enrolled automatically. The Allowance: Benefit for 60 to 64 Year Olds With a GIS Spouse The Allowance is a tax-free monthly payment of up to $1,448.06 for people aged 60 to 64 whose spouse or common-law partner gets OAS and the GIS. Your combined income must be under $42,768. Apply 6 to 11 months before you turn 60.

Frequently asked questions

How much is GIS for a single person?

Up to $1,138.90 a month for October to December 2026, if your income is under $23,112.

Is the GIS taxable?

No. You report it on your return, but it is not taxed.

Does GIS count OAS as income?

No. OAS and GIS payments are not counted when checking your income.

Why did my GIS stop?

Most often because your tax return was not filed. File it, or report your income directly to Service Canada.

Sources

Guaranteed Income Supplement (canada.ca, 2026-10-28) (canada.ca)
GIS: do you qualify (canada.ca, 2026-10-21) (canada.ca)
GIS: how much you could receive (canada.ca, 2026-10-13) (canada.ca)

North Help Desk is an independent guide, not a government website. Rules, amounts and phone hours can change; always confirm on the official page before you act. Spotted something out of date? Tell us.