💰 SAVINGS & RETIREMENT · UPDATED 2026

GIS Calculator Canada

Calculate your Guaranteed Income Supplement benefit for 2026 — including single and couple rates, Allowance for spouse aged 60–64, income phase-out, and your total monthly senior income.

🏛️

GIS is one of the most underclaimed benefits in Canada

Hundreds of thousands of eligible seniors don't receive the GIS because they don't know about it or forget to apply. It's completely tax-free, does not affect your OAS, and can add over $13,000/year for a single low-income senior. You must apply — it is not automatic.

📋 Your Details

👤 Your Situation
Your marital status determines which GIS rate applies
Must be 65+ and receiving OAS to qualify for GIS
💰 Your Annual Income (excluding OAS & GIS)
$
2026 full OAS ≈ $8,820/year · Use our OAS Calculator to find yours
$
CPP + RRIF + pension + employment + investment income · Do NOT include OAS or GIS
👫 Spouse / Partner
$
Enter 0 if spouse is under 65 or not yet receiving OAS
$
CPP + pension + employment income — do NOT include OAS or GIS
If spouse is 60–64 and low income, they may qualify for the Allowance

💰 Your Monthly GIS Benefit
$0
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Annual GIS
$0
OAS Monthly
$0
Total Monthly Income
$0
% of Max GIS
0%
Monthly GIS
$0
Tax-free supplement
Annual GIS
$0
Tax-free — per year
Monthly OAS
$0
Your OAS pension
Total Monthly
$0
OAS + GIS combined
Maximum GIS
$0
At zero other income
GIS Reduced By
$0
Due to your income

💰 Your Total Monthly Senior Income

GIS Benefit Remaining (Income Phase-Out) 100%
$0 income (max GIS) Income cutoff

GIS reduces by $1 for every $2 of other income. OAS is not counted as income for GIS purposes.

📋 2026 GIS Maximum Rates — All Situations

Maximum monthly amounts at zero other income. Your situation is highlighted. GIS is indexed quarterly to inflation.

📊 How Your GIS Changes With Income

See how different income levels affect your GIS benefit. GIS reduces by $1 for every $2 of other income.

💡 GIS Tips for Canadian Seniors

📋 GIS Is Not Automatic — Apply!

Unlike OAS which is largely automatic, GIS requires an application. File your taxes every year — Service Canada uses your tax return to determine eligibility. If you didn't file, you won't receive GIS even if you qualify.

💰 GIS is 100% Tax-Free

Unlike OAS and CPP, GIS is completely tax-free and does not need to be reported as income. It also does not count toward the OAS clawback threshold — it has no tax impact whatsoever.

🏦 TFSA Withdrawals Don't Count

TFSA withdrawals are not considered income for GIS purposes. If you need extra cash, drawing from your TFSA instead of your RRIF protects your GIS benefit — a powerful strategy for low-income seniors.

📅 Retroactive Payments

If you were eligible but didn't receive GIS, you can claim up to 11 months of retroactive payments. Contact Service Canada immediately — you may be owed thousands in missed benefits.