Old Age Security and GIS Calculator
Estimate your monthly Old Age Security pension and Guaranteed Income Supplement from your age, years in Canada and income, and see what deferring OAS and the clawback would do.
2026 rates · verified Oct 21–27, 2026
From OAS and GIS
$1,099.99 a month
October to December 2026 amounts
| Full OAS pension (65 to 74) | $762.50 |
|---|---|
| Years in Canada | 40 ÷ 40 |
| Deferral increase | ×1 |
| Your OAS pension | $762.50 |
| Income for GIS | $15,000 |
| GIS after the income reduction | $337.49 |
| GIS top-up | $0.00 |
| Increase for a partial OAS pension | $0.00 |
| Your GIS | $337.49 |
| Total a month | $1,099.99 |
Your inputs
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Start at 65 or later?
| Start OAS at | OAS a month | GIS a month | Total |
|---|
OAS in one minute
Old Age Security is a monthly pension from 65 for people who lived in Canada at least 10 years after 18. With 40 years you get the full amount, $762.50 a month from 65 to 74 in October to December 2026; with fewer, a share of it: 25 years gives $476.56. The month after you turn 75 it goes up 10%, to $838.75 for a full pension (Canada.ca).
Deferring OAS
You can start OAS up to five years late, at 70. Each month you wait adds 0.6%, up to 36%: a full pension started at 70 is $1,037.00 a month. Without GIS, you give up $45,750 of OAS while waiting and catch up at about 84. But you can’t get the GIS while you defer: with $15,000 of other income, waiting until 70 gives up $65,999 of OAS and GIS, which takes until about 90 to win back.
The Guaranteed Income Supplement
The GIS is an extra, tax-free monthly amount for OAS pensioners with a low income, based on last year’s income (not counting OAS or GIS). A single pensioner with no other income gets $1,138.90 a month. It goes down by $1 a month for every $24 of yearly income, and a top-up of up to $176.41 goes faster, so it ends at $10,496; the GIS itself ends at $23,112. At $5,000 a single pensioner gets $868.90 of GIS (Old Age Security Act s. 12 and 12.1).
Work income counts less: the first $5,000 and half of the next $10,000 are left out. If you have a partial OAS pension, the GIS makes up the difference: with 25 years in Canada and $5,000 of income, OAS is $476.56 and the GIS $1,154.84, the same total as a full pensioner.
The OAS clawback
If your net world income is over the threshold ($95,323 for 2026 income), 15% of the amount over it is taken back from your OAS from the next July to the following June. CRA’s example: $100,000 of income in 2025 is $6,546 over the $93,454 threshold, so $981.90 is recovered. The whole pension is gone at about $155,320 ($161,320 from 75) (Canada.ca).
Couples
For a couple the GIS uses your combined income, and the amount depends on your spouse:
| Situation | Most a month | Ends at (yearly income) |
|---|---|---|
| Single, widowed or divorced | $1,138.90 | $23,112 |
| Spouse gets OAS (each) | $685.56 | $30,528 combined |
| Spouse gets no OAS or Allowance | $1,138.90 | $55,392 combined |
| Spouse gets the Allowance | $685.56 | $42,768 combined |
Two pensioners with no other income each get $685.56. If your spouse is 60 to 64 they may get the Allowance ($1,448.06 a month at most); that case has its own rules, so this calculator doesn’t estimate the GIS for it: use ESDC’s OAS Benefits Estimator.
What this calculator assumes
- Amounts for October to December 2026. They rise with inflation every three months.
- You live in Canada, and your GIS is based on last year’s income. Social security agreements with other countries aren’t included.
- The deferral comparison is in today’s dollars and leaves out the 10% increase at 75.
- Spouse on the Allowance, or the Allowance and Allowance for the Survivor themselves (60 to 64): not estimated.
Frequently asked questions
Do I need to apply for OAS?
Often not. Service Canada enrolls many people automatically and sends a letter the month after they turn 64. If you don’t get one, apply online or on paper. The GIS is also automatic for many people once they get OAS and file a tax return; if you’re not enrolled, apply for it.
Is OAS taxable?
Yes, the OAS pension is taxable income, and above the recovery threshold some of it is clawed back. The GIS isn’t taxable, though you report it on your return (it’s deducted again, so you pay no tax on it).
How does working affect my GIS?
The first $5,000 of employment or self-employment income, and half of the next $10,000, don’t count. So $10,000 of work income counts as $2,500, and a single pensioner keeps $1,024.90 a month of GIS instead of losing most of it.
When do OAS and GIS amounts change?
Every three months, in January, April, July and October, to keep up with the cost of living. They never go down. This page uses the October to December 2026 amounts.
Can I get OAS if I lived abroad?
With at least 10 years in Canada after 18, you get a partial pension: 1/40 of the full amount for each year (25 years: $476.56 a month). Canada’s social security agreements with other countries can help you qualify; this calculator doesn’t include them. Living abroad, you need 20 years to keep getting it.
Does deferring OAS affect the GIS?
You can’t get the GIS for months you defer OAS, so if you have a low income it usually pays to start OAS at 65. The deferral increase itself doesn’t reduce the GIS once you start.
Rates for tax year 2026, verified to · Page updated
Sources
- ESDC – Maximum benefit amounts and related figures, OAS October to December 2026 (Table 5) · checked
- Canada.ca – OAS pension: How much you could receive (October–December 2026) · checked
- Canada.ca – When to start your OAS pension · checked
- Canada.ca – OAS pension recovery tax (thresholds by income year) · checked