The quarter. Every figure on this page is for October to December 2026. Service Canada raised OAS benefits by 1.4% for that quarter, for a 3.0% increase over the year from October 2025 to October 2026. Amounts are reviewed each January, April, July, and October to reflect changes in the Consumer Price Index, and they never decrease if the cost of living goes down. The next review is in January 2027. Recheck the Service Canada payment amounts page then — do not carry these figures into a later quarter unchecked.
The Old Age Security maximums. Service Canada's maximum payments table for October to December 2026 lists up to $762.50 a month at ages 65 to 74, where annual net world income in 2025 is less than $152,062, and up to $838.75 a month at age 75 and over, where that income is less than $157,923. The pension was permanently increased by 10% for seniors aged 75 and over in July 2022. It is taxable income.
Partial pensions: years divided by 40. Service Canada states that if you lived in Canada for at least 10 years but less than 40 years after age 18, you receive a partial pension. This estimator applies that rule directly: 20 years in Canada after 18 gives 20 divided by 40, or half the full pension — $762.50 times one half, which is $381.25 a month at ages 65 to 74. Under 10 years, the estimator shows $0 for both OAS and GIS, because there is no pension for the supplement to top up.
The recovery tax (clawback). Service Canada states the pension is subject to a recovery tax if your individual net annual income is higher than the threshold set for the year — $93,454 for 2025. The recovery tax is 15 cents on every dollar above that threshold, up to the full amount of the pension. On $120,000 of income at ages 65 to 74 with a full pension: 15% of the $26,546 above $93,454 is $3,981.90 a year, so the pension is $9,150.00 minus $3,981.90 a year, which is $5,168.10 a year, or $430.68 a month. The pension reaches zero at $152,062 for ages 65 to 74 and $157,923 at 75 and over, exactly as Service Canada's table states.
The Guaranteed Income Supplement maximums and limits. Service Canada's table for October to December 2026 lists up to $1,138.90 a month for a single, widowed, or divorced senior with annual net income under $23,112; up to $685.56 a month where a spouse or common-law partner receives a full OAS pension, with combined income under $30,528; up to $685.56 a month where a spouse or partner receives the Allowance, with combined income under $42,768; and up to $1,138.90 a month where a spouse or partner receives neither an OAS pension nor the Allowance, with combined income under $55,392. The supplement is not taxable, and Service Canada recalculates it every July from the previous calendar year's income.
How the GIS estimate is worked out — and where it is approximate. The supplement falls as income rises — broadly, by about $1 for every $2 of other income. Service Canada no longer publishes the detailed rate tables, so this estimator draws a straight line from the published maximum at zero income to zero at the published income limit, and says so. A single senior with $12,000 of annual income: $1,138.90 times one minus $12,000 divided by $23,112, which is $547.57 a month. That is an approximation of Service Canada's table, not the table itself — and it ignores the employment-income exemption, so if part of your income is employment or self-employment income, your real supplement is higher than this figure. Use Service Canada's OAS Benefits Estimator for the amount based on your specific income.
Worked examples. A single senior, age 68, 40 years in Canada, no other income: OAS $762.50 plus GIS $1,138.90, which is $1,901.40 a month. A single senior, age 70, 20 years in Canada, $12,000 of income: OAS $381.25 (half of $762.50) plus GIS $547.57, which is $928.82 a month. A senior age 80, 40 years in Canada, whose partner receives the full OAS pension, with $20,000 of combined income: OAS $838.75 plus GIS $685.56 times one minus $20,000 divided by $30,528, which is $236.42, for $1,075.17 a month.
What this estimator leaves out. Deferring Old Age Security past 65, which increases the pension by 0.6% a month, up to 36% at age 70 — this estimator assumes you start at 65. The Allowance and the Allowance for the Survivor, which are for ages 60 to 64 and are not estimated here. The employment and self-employment income exemption in the GIS calculation. Provincial top-ups, such as Ontario's Guaranteed Annual Income System. The Canada Pension Plan, which is a separate pension and is never clawed back. Any change in the January 2027 quarterly review.
Sources: Service Canada, Old Age Security payment amounts (the October to December 2026 maximums and income limits for the OAS pension, the Guaranteed Income Supplement, the Allowance, and the Allowance for the Survivor; the 10-to-40-year partial pension rule; the $93,454 recovery-tax threshold for 2025; the 1.4% quarterly increase; quarterly review in January, April, July, and October), opened at build time on November 8, 2026. The 15% recovery-tax rate and the $1-for-every-$2 shape of the GIS reduction are the published rules for those programs; the straight-line GIS taper on this page is this estimator's approximation, labelled as such, because Service Canada no longer publishes the detailed rate tables. No figure on this page comes from anywhere else.