Maximum amounts, October to December 2026
These are the official maximums. They rise with the cost of living each January, April, July and October.
| Age | Maximum per month | Fully recovered at |
|---|---|---|
| 65 to 74 | $762.50 | $152,062 |
| 75 and over | $838.75 | $157,923 |
Recovery tax: 15% of net income over $93,454 (2025 income).
| Situation | Maximum GIS per month | Income under |
|---|---|---|
| Single, widowed or divorced | $1,138.90 | $23,112 |
| Partner gets full OAS (combined income) | $685.56 | $30,528 |
| Partner gets no OAS or Allowance (combined income) | $1,138.90 | $55,392 |
How the amounts are worked out
full pension × years in Canada ÷ 40
+10% from the month after age 75
+0.6% for each month delayed past 6520 years in Canada, age 65–74: $762.50 × 20 ÷ 40 = $381.2515% × (net income − $93,454)
stops at the official full-recovery income$100,000: 15% × $6,546 = $981.90 a year, about $81.82 a monthlook up your income in the
published GIS band tableSingle, $20,000: the $19,992 to $20,015 row applies, $129.49 a month- The recovery tax is taken from your monthly OAS from July to June, based on the previous year’s income. This tool divides the yearly amount into 12.
- The GIS tables list the exact monthly amount for each income band. This tool looks your income up in those tables rather than approximating a formula.
- The 10% increase at 75 does not change your GIS.
What this estimate leaves out
- Partner on the Allowance, and the Allowance and Allowance for the Survivor themselves.
- GIS for people with a partial OAS pension: the tables do not apply, so none is shown.
- Provincial supplements, such as those in Ontario, Alberta or Quebec.
- Living outside Canada, and the exact month your income-based reduction starts.
- Income changes mid-year, which can be reported to Service Canada for a recalculation.
Frequently asked questions
Do I need to apply for OAS?
Sometimes not. Service Canada automatically enrols many people at 64 and sends a letter. If you do not receive one, apply online. GIS is separate: you apply for it or it is added when you file taxes if you are enrolled.
What is the OAS recovery tax?
If your net income is over $93,454 (2025), you repay 15% of the amount above it, up to the full pension. It is withheld from your monthly payments from July 2026 to June 2027.
Can I get GIS and delay my OAS?
No. GIS requires you to be receiving an OAS pension. This tool shows no GIS if you enter months of delay.
What counts as income for the GIS?
Taxable income from the previous year, including CPP, RRIF withdrawals and employment, but not OAS or GIS themselves. TFSA withdrawals do not count. With a partner, incomes are combined.
Why is there no GIS with a partial pension?
ESDC states that its tables are for the full OAS pension. People with a partial pension should contact Service Canada, so this tool leaves the GIS out rather than guess.
How often do amounts change?
Every January, April, July and October, based on the Consumer Price Index. They never go down. The October 2026 increase was 1.4%.
Last updated
Related tools
Sources
How we check
Automated tests compare the GIS lookup with rows copied from ESDC’s published October to December 2026 band tables (single, partner receives OAS, partner receives no OAS), including the first and last band of each table and the income limits.
They also check the OAS maximums ($762.50 and $838.75), the delay examples from the Service Canada page ($817.40, $872.30, $927.20, $982.10, $1,037.00) and the recovery-tax example on the Service Canada page ($100,000 gives $981.90).
Limits: partial pensions are our own years ÷ 40 arithmetic, not compared with an official example. The recovery-tax cap uses the official full-recovery income limits. The 75-plus amount combined with a delay is not an official example. The 2026 income-year thresholds are not used because they are estimates until the end of the year.