GIS income limits 2026

Updated October 17, 2026 · Figures for October–December 2026 unless stated

The Guaranteed Income Supplement (GIS) is a tax-free monthly benefit for people who receive OAS and have a lower income. For October–December 2026, a single person can receive up to $1,138.90 a month, and GIS stops at an income of $23,112 a year, not counting OAS.

Maximum GIS and income limits, October–December 2026

Your situation	Maximum GIS per month	GIS ends at annual income of
Single, widowed or divorced	$1,138.90	$23,112
Couple, both receive OAS	$685.56 each	$30,528 combined
Couple, spouse does not receive OAS	$1,138.90	$55,392 combined
Couple, spouse aged 60 to 64 gets the Allowance	$685.56, plus up to $1,448.06 Allowance for the spouse	$42,768 combined

Amounts assume a full OAS pension and change every quarter with inflation.

GIS eligibility calculator

Your situation Yearly income other than OAS and GISCPP, pensions, RRSP/RRIF withdrawals, interest and taxable investment income. For a couple, combine both. Yearly employment or self-employment incomeThe first $5,000 is exempt, and half of the next $10,000.

What counts as income for GIS

Counts: CPP, workplace pensions, RRSP and RRIF withdrawals, interest, and the taxable part of investment income. Employment income counts after its exemption.
Does not count: OAS, GIS, the Allowance and TFSA withdrawals.

GIS is normally based on the previous year's income, so a large RRSP withdrawal can reduce GIS in the following payment year.

See GIS year by year in your plan. RetirePay Canada combines CPP, OAS, GIS, RRSP, TFSA and other savings to estimate the monthly income your plan could support, after tax and in today's dollars.

Try the free estimate Get the app

Sources

General information, not financial, tax or legal advice. Amounts are rounded estimates; Service Canada and the Canada Revenue Agency determine actual payments. RetirePay Canada is independent and not affiliated with the Government of Canada.