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OAS and GIS 2026: Payment Amounts, Income Thresholds, Clawback, and Dates
In 2026, OAS pays up to $743.05/month (age 65–74) or $817.36 (75+), and GIS adds up to $1,109.85 for single seniors. See the clawback threshold, income limits, and every payment date — verified from Canada.ca.
Marcus Chen · Debt Relief Expert & Founder, CollectorHQ Key Takeaways
- For April to June 2026, OAS pays up to $743.05/month for ages 65–74 and $817.36/month for 75 and over.
- The Guaranteed Income Supplement adds up to $1,109.85/month for a single senior with very low income.
- OAS clawback (recovery tax) starts at $90,997 of net world income (2024) for the July 2025–June 2026 period, rising to $93,454 for July 2026–June 2027.
- OAS, GIS, and CPP are paid on the same day — the 2026 dates run from January 28 to December 22.
For April to June 2026, Old Age Security pays up to $743.05 per month for ages 65 to 74 and $817.36 per month for those 75 and over. Low-income seniors can add the Guaranteed Income Supplement (GIS), worth up to $1,109.85 per month for a single senior. Both are paid by Service Canada on the same day as CPP. All figures here come from the OAS payment amounts and GIS amounts pages on Canada.ca.
2026 OAS and GIS Payment Dates
OAS, GIS, and CPP are deposited together near the end of each month. The confirmed 2026 dates are:
| Month | 2026 payment date |
|---|---|
| January | January 28 |
| February | February 25 |
| March | March 27 |
| April | April 28 |
| May | May 27 |
| June | June 26 |
| July | July 29 |
| August | August 27 |
| September | September 25 |
| October | October 28 |
| November | November 26 |
| December | December 22 |
OAS Amounts (April – June 2026)
| Your age | Maximum monthly OAS |
|---|---|
| 65 to 74 | $743.05 |
| 75 and over | $817.36 |
OAS is reviewed every January, April, July, and October and rises with the Consumer Price Index — it never decreases. The pension is permanently 10% higher from age 75. Unlike CPP, OAS is based on how long you have lived in Canada after age 18 (40 years for a full pension), not on work history.
The OAS Clawback (Recovery Tax)
OAS is taxable and subject to a recovery tax when your net world income is high. You repay 15 cents for every dollar above the threshold.
| Recovery tax period | Income year | Clawback starts at | Fully clawed back (65–74) | Fully clawed back (75+) |
|---|---|---|---|---|
| July 2025 – June 2026 | 2024 | $90,997 | $148,451 | $154,196 |
| July 2026 – June 2027 | 2025 | $93,454 | $152,062 | $157,923 |
Per the CRA’s recovery tax example: with 2024 income of $98,000, you are $7,003 over the $90,997 threshold, so the repayment is 15% of that — $1,050.45 for the July 2025 to June 2026 period.
GIS Amounts (April – June 2026)
The Guaranteed Income Supplement is a tax-free monthly top-up for low-income OAS recipients. The maximum depends on marital status and income.
| Your situation | Income must be under | Maximum monthly GIS |
|---|---|---|
| Single, widowed, or divorced | $22,512 | $1,109.85 |
| Spouse receives full OAS | $29,760 (combined) | $668.08 |
| Spouse receives the Allowance | $41,664 (combined) | $668.08 |
| Spouse receives neither OAS nor Allowance | $53,952 (combined) | $1,109.85 |
GIS is recalculated every July based on your previous year’s income, so filing your tax return on time is essential — late filing can pause or stop GIS payments.
Related Benefits for Ages 60 to 64
Two OAS-program benefits help younger low-income spouses and survivors before they reach 65:
- Allowance: up to $1,409.72/month for a 60–64-year-old whose spouse receives the GIS (combined income under $41,664).
- Allowance for the Survivor: up to $1,682.15/month for a low-income widowed person aged 60–64 (income under $30,336).
Deferring OAS for a Larger Pension
You can delay OAS for up to five years. Each month deferred adds 0.6%, up to 36% more at age 70, and pushes back the clawback threshold. The trade-off: you cannot collect GIS while deferring, so deferral usually makes sense only for seniors whose income is too high to qualify for GIS anyway.
Frequently Asked Questions
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Marcus Chen
Debt Relief Expert & Founder, CollectorHQ
Marcus Chen has researched and written about Canadian debt relief since 2016 — consumer proposals, bankruptcy, CRA collections, wage garnishment, and provincial debt law. Founder of CollectorHQ, Canada’s independent debt-relief education resource.
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