Investment · Retirement
GIS calculator.
The Guaranteed Income Supplement tops up OAS for lower-income seniors — up to $1,123.17/month, non-taxable, on top of OAS itself.
GIS pays a maximum monthly amount that shrinks toward $0 as your income rises, and the maximum and cutoff both depend on your household: single (max $1,123.17, cutoff $22,800), spouse also gets full OAS (max $676.09 each, combined cutoff $30,096), or spouse doesn't get OAS/Allowance (max $1,123.17, combined cutoff $54,624).
Inputs
Estimated GIS
Fill the form and press Calculate.
Why GIS is the opposite of OAS clawback
OAS clawback reduces the pension of higher-income seniors. GIS does the reverse: it tops up OAS for lower-income seniors, and it is completely non-taxable, unlike OAS and CPP themselves. The two programs sit at opposite ends of the same income scale, funded and administered separately.
This is a linear approximation, not Service Canada's exact table
Service Canada calculates the real GIS reduction from a published, non-linear table that also exempts the first $5,000 of employment or self-employment income entirely, plus 50% of the next $10,000. This tool uses a straight line between the maximum payment (at $0 income) and $0 (at the published cutoff) — accurate at both ends of the range, but not an exact match in the middle. Use it to understand the shape of your entitlement, then confirm the precise figure with Service Canada or the real GIS table.
Sources, read 25 September 2026: canada.ca "Guaranteed Income Supplement: How much you could receive" (page last updated 2026-06-29, current for the July–September 2026 quarter). GIS and OAS amounts next adjust 28 October 2026 under the standard January/April/July/October cost-of-living indexing.
Frequently asked questions
Do I need to apply for GIS separately from OAS?
Often yes, though many seniors are auto-enrolled if Service Canada has enough tax information on file. If you don't receive it automatically and think you qualify, apply through My Service Canada Account or by paper application — it isn't retroactive beyond 11 months, so apply as soon as you're eligible.
Does employment income reduce GIS as much as other income?
No — the first $5,000 of employment or self-employment income is fully exempt from the GIS calculation, and 50% of the next $10,000 is also exempt. This tool's linear approximation doesn't model that exemption, so if most of your income is from work, your real GIS may be higher than this estimate shows.
Why does the cutoff change based on my spouse's OAS status?
GIS is designed around combined household income when there's a spouse or common-law partner. If your spouse also collects OAS, the program assumes both incomes support the household similarly, so the maximum per person is lower but the combined income is assessed together. If your spouse is younger and not yet collecting OAS, a different, higher cutoff and the Allowance program may apply to them instead.
Is GIS taxable?
No. Unlike OAS and CPP, GIS is not taxable income, though it must still be reported on your tax return since your GIS payment amount is calculated from your prior year's tax return.
Estimate only — a simplified linear approximation
This tool uses a straight-line approximation between the published maximum and cutoff, not Service Canada's real non-linear GIS table, and does not model the employment-income exemption. Confirm your actual entitlement with Service Canada or a financial advisor before relying on this figure.