An OAS and GIS calculator estimates how much you could receive each month from the Old Age Security (OAS) pension and Guaranteed Income Supplement (GIS) together. Your OAS amount and GIS amount must be calculated separately first because the two benefits use different factors. The results can then be added to estimate your combined monthly payment.
How to Calculate Your OAS and GIS Together
The basic calculation is:
Monthly OAS pension + Monthly GIS = Combined monthly OAS and GIS benefits
For example, someone receiving $700 in OAS and $800 in GIS would have combined monthly benefits of $1,500.
The part worth getting right is the two amounts you enter. OAS depends on factors including your age, years of Canadian residence after age 18 and, at higher incomes, the OAS recovery tax. Our OAS calculator can be used to estimate that portion separately.
GIS works differently because it is an income-tested benefit for eligible OAS pensioners. For the July to September 2026 quarter, the maximum GIS amounts and income limits depend on your marital status and your spouse or common-law partner’s benefit situation.
| Your situation | 2026 maximum monthly GIS | Annual income must be below |
|---|---|---|
| Single, divorced or widowed | $1,123.17 | $22,800 |
| Spouse/partner receives full OAS | $676.09 | $30,096 combined |
| Spouse/partner receives the Allowance | $676.09 | $42,144 combined |
| Spouse/partner does not receive OAS or Allowance | $1,123.17 | $54,624 combined |
These are maximums, not standard payments. The 2026 GIS amount falls as countable income rises, so entering the maximum GIS without accounting for income can substantially overstate the result.
Which Income Should You Use for the GIS Estimate?
GIS payments are generally calculated using income from the previous calendar year. For couples, combined income is used. However, the OAS pension itself is excluded when income is determined for GIS purposes, so you should not simply add your OAS pension to your other income when estimating GIS.
Employment and self-employment income also receive a special exemption under the 2026 GIS rules. The first $5,000 is fully exempt, while 50% of the next $10,000 is exempt. This means someone with earnings cannot reliably estimate GIS by treating every dollar earned as countable income.
A recent retirement or reduction in pension income can make the previous year’s income a poor estimate of your current circumstances. In qualifying situations, GIS can instead be calculated using estimated current-year income. That can produce a very different result from a calculator based only on the previous tax return.
Current OAS Amounts to Use in the Calculator
For July through September 2026, the maximum monthly OAS pension is $751.97 for people aged 65 to 74 and $827.17 for people aged 75 or older.
Do not automatically enter one of those maximums. A partial OAS pension can apply when someone has fewer than 40 years of Canadian residence after age 18, while higher-income pensioners can have OAS reduced through the recovery tax. Our guide to how OAS is calculated covers those rules without mixing them into the GIS calculation.
OAS and GIS rates are reviewed quarterly, in January, April, July and October, based on changes in the cost of living. The figures above are therefore specific to the July to September 2026 payment quarter. For a current estimate based on age, income, residence history and marital status, the federal OAS Benefits Estimator provides another useful check before relying on your result.
What Your Combined Estimate Actually Represents
The two components do not have identical tax treatment. OAS is taxable income, while GIS payments are not taxable. As a result, adding the two gives you an estimate of the benefits you may receive, but it is not an estimate of your after-tax retirement income.
For planning purposes, use the OAS amount that reflects your own residence and age, then pair it with the GIS estimate based on the income and relationship category that applies to you. That produces a much more useful combined figure than simply adding the two published maximums.
Other Questions About OAS and GIS Calculator Results
Can both spouses receive GIS?
Yes. When both spouses or common-law partners receive OAS and qualify for GIS, each person can receive a GIS payment. The calculation uses their combined income.
Does turning 75 increase your GIS because your OAS increases?
No. The automatic 10% OAS pension increase that applies after age 75 does not increase or reduce your GIS payment amount.
Can you use this calculator if you receive a partial OAS pension?
A simple maximum-rate calculation is not suitable for a partial OAS pension. The published OAS payment tables specifically direct partial-pension recipients not to use those tables to determine their payment, so use your actual or individually estimated OAS amount instead.
