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For October to December 2026 the maximum OAS pension is $762.50 a month at ages 65 to 74 and $838.75 from 75, after a 1.4% rise. The GIS for a single senior reaches $1,138.90. January 2027 amounts are not published, and this page lists the limits and where to watch.
What are the OAS and GIS amounts right now?
For October to December 2026, Service Canada lists a maximum OAS pension of $762.50 a month at ages 65 to 74 and $838.75 at 75 and over. The page says benefits rose 1.4% for this quarter. The rise comes from the average of the consumer price index, which Service Canada compares between quarters.
| Benefit | Income limit (2025 net world income) | Maximum a month | Maximum over 12 months |
|---|---|---|---|
| OAS pension, ages 65 to 74 | Net income under $152,062 | $762.50 | $9,150.00 |
| OAS pension, age 75 and over | Net income under $157,923 | $838.75 | $10,065.00 |
The 12-month column is our multiplication of the monthly maximum by 12. Actual payments are lower if you were not in Canada long enough, or if the recovery tax applies. The 75 and over amount is 10% higher than the 65 to 74 amount ($762.50 x 1.10 = $838.75). Source: Service Canada OAS payment amounts, page modified 29 September 2026, checked 12 November 2026.
How much is the Guaranteed Income Supplement (GIS) payment?
The GIS tops up OAS for lower income seniors. It is tax free. The maximums depend on your marital situation and on the income thresholds listed below, which are based on the previous year's net income.
| GIS situation (65 and over) | Income limit | Maximum a month | Maximum over 12 months |
|---|---|---|---|
| Single, widowed or divorced | under $23,112 | $1,138.90 | $13,666.80 |
| Partner gets full OAS pension | combined under $30,528 | $685.56 | $8,226.72 |
| Partner gets the Allowance | combined under $42,768 | $685.56 | $8,226.72 |
| Partner gets neither OAS nor Allowance | combined under $55,392 | $1,138.90 | $13,666.80 |
If you are not sure which row fits, the GIS guide explains the rules in plain words.
What about the Allowance for ages 60 to 64?
Two benefits exist for people aged 60 to 64 whose spouse or partner gets the GIS, or who are widowed. Both are for low income households.
| Benefit | Income limit | Maximum a month |
|---|---|---|
| Allowance (60 to 64, partner gets GIS and full OAS) | combined under $42,768 | $1,448.06 |
| Allowance for the Survivor (60 to 64) | under $31,152 | $1,726.18 |
When does the OAS clawback start?
The recovery tax, often called the clawback, is 15% of net world income above a threshold. Service Canada lists the threshold as $93,454 for 2025. This figure sets the recovery for the July 2026 to June 2027 payment year. The clawback is deducted from your monthly OAS before you receive it.
Our article on the OAS clawback explains how it works, and it walks through a worked example. The threshold for the next payment year, based on 2026 income, is not published yet.
What will OAS and GIS be in January 2027?
Not published as of 12 November 2026. OAS and GIS are adjusted every quarter. The January to March 2027 amounts are set from the consumer price index in the months before, and Service Canada posts them near the end of the previous quarter. If the CPI average rises, benefits rise. If it falls, amounts do not go down.
The same is true of the Canada Pension Plan. The CPP page lists a maximum retirement pension of $1,507.65 a month at 65 for 2026, and it shows nothing for 2027. CPP adjusts once a year in January. See the CPP payment amounts page for the first update.
What does the recovery tax look like in a number?
Say a retiree has net world income of $110,000 on the 2025 return. That is above the $93,454 threshold by $16,546. At 15%, the recovery tax is $2,481.90 for the payment year. This is our arithmetic and an example only. The monthly OAS is reduced to recover it, and the rest of your pension stays as paid.
A retiree with a maximum OAS of $762.50 a month receives $9,150 over twelve months. In the example, the recovery tax would take $2,481.90 of it, leaving $6,668.10. The full OAS is only lost completely at the much higher limits shown in the first table.
What is the maximum payment for a very low income senior?
A single senior aged 65 to 74 with no other income could receive the OAS maximum plus the GIS maximum. That is $762.50 + $1,138.90 = $1,901.40 a month, or $22,816.80 over twelve months. This is our sum of the two Service Canada maximums and is an upper bound.
The GIS shrinks as other income grows, so most people get less than this. The Service Canada page lists the single income limit of $23,112. Your actual benefit depends on your income and on your residence history, and the My Service Canada account shows it.
How does the quarterly increase work?
Service Canada says the October to December 2026 increase of 1.4% compares the average consumer price index for May to July 2026 (169.5) with the average for February to April 2026 (167.1). Our check: (169.5 - 167.1) / 167.1 = 1.44%, which rounds to 1.4%. The page also says OAS rose 3.0% over the year from October 2025 to October 2026.
OAS is reviewed four times a year, in January, April, July and October. The January 2027 amounts will use the CPI average for August to October 2026, which Statistics Canada has not finished publishing as of 12 November 2026. If prices fall, OAS stays the same, since payments are not reduced.
How do you check your own amount?
Sign in to your My Service Canada Account to see your own payment, or look at your last payment notice. The amounts in this page are maximums for someone who qualifies for the full benefit. Time lived in Canada after age 18 changes the OAS, and your income decides the GIS.
A few steps help. Find your 2025 net income on your notice of assessment, compare it with the thresholds above, and ask Service Canada if the result differs from what you receive. Our GIS guide covers how to apply.
How should you plan until the 2027 amounts are out?
Treat the current amounts as the floor for early 2027, since OAS is indexed to prices and does not drop. Do not build a budget on a specific 2027 figure from a website that is not the government's. If you are deciding when to start OAS, the OAS deferral article shows how a later start raises the monthly amount.
The OAS calculator on this site is an estimate tool and uses the amounts we have put in it, not your file with Service Canada. The official My Service Canada account shows your own amount.
Where are the payment dates?
Our article on OAS, CPP, GIS and Canada Disability Benefit payment dates for 2026 lists the dates for this year. The 2027 dates were not on a Service Canada page we could open on 12 November 2026.
Frequently asked questions
What is the maximum OAS pension now?
For October to December 2026, Service Canada lists $762.50 a month for ages 65 to 74 and $838.75 for age 75 and over. Amounts are reviewed every quarter, so the January 2027 figures can differ.
How much is the GIS for a single senior?
The maximum monthly GIS for a single, widowed or divorced person is $1,138.90 for October to December 2026. You get less as your other income rises, and it stops at an income of $23,112 on the same Service Canada page.
Are the January 2027 OAS amounts published?
Not on 12 November 2026. OAS and GIS are reviewed each quarter. Check the Service Canada OAS payment amounts page near the start of January for the January to March 2027 table.
What is the OAS clawback threshold?
The Service Canada page lists $93,454 of net world income for 2025. Above that, the recovery tax takes 15 cents of each extra dollar. It is withheld from your monthly OAS for the payment year that follows.
When does the CPP retirement pension change?
CPP retirement amounts are adjusted each January. The CPP payment amounts page shows $1,507.65 a month as the 2026 maximum at 65 and has no 2027 amount yet, so wait for Service Canada to post it.