Title: Old Age Security payment amounts

URL Source: https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html

Markdown Content:
## On this page

*   [Estimate your monthly benefits](https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html#estimate-benefits)
*   [Old Age Security pension and benefits](https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html#h2.1)
*   [Maximum payments and income thresholds - July to September 2026](https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html#h2.2)
*   [Resources for partners](https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html#h2.3)
*   [Latest payment adjustment – July to September 2026](https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html#payment-adjustment)
*   [How payments are updated using the Consumer Price Index](https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html#h2.5)

## Estimate your monthly benefits

### Benefit payment tables

The rate tables are no longer available. They have been replaced by the Old Age Security Benefits Estimator.

The Old Age Security (OAS) Benefits Estimator can help you estimate your monthly payments and plan for the future. Use this tool to:

*   find out when you could become eligible
*   understand the impact of deferring your pension
*   see how your payments may change based on your situation 

[Estimate your OAS benefits](https://estimateursv-oasestimator.digital.service.canada.ca/en)

## Old Age Security pension and benefits

Your [Old Age Security](https://www.canada.ca/en/services/benefits/publicpensions/old-age-security.html) pension amount is determined by:

*   your age (65 or older)
*   how long you have lived in Canada after the age of 18
*   your income 

It is considered taxable income and is subject to a [recovery tax](https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.html) if your individual net annual income is higher than the net world income threshold set for the year ($93,454 for 2025).

### Increased Old Age Security pension at age 75

In July 2022, the Old Age Security pension was permanently increased by 10% for seniors aged 75 and over.

### Other Old Age Security benefits

In addition to the Old Age Security pension, there are 3 other benefits available under the Old Age Security program:

#### Guaranteed Income Supplement (GIS)

You may be able to get the [Guaranteed Income Supplement](https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/guaranteed-income-supplement.html) if:

*   you get the Old Age Security(OAS) pension
*   you are **65 or older**
*   you are a Canadian citizen or a legal resident
*   you live in Canada
*   your income is below the[maximum annual income threshold for the GIS](https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html#h2.2) based on your marital status 
*   you are not currently under a sponsorship agreement

#### Allowance

You may be able to get the [Allowance](https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/guaranteed-income-supplement/allowance.html) if:

*   your spouse or common-law partner receives the Guaranteed Income Supplement (GIS)
*   you are **60 to 64 years of age**
*   you are a Canadian citizen or a legal resident
*   you have lived in Canada for at least 10 years since the age of 18, and you and your spouse or common-law partner’s combined income is below the [maximum annual income threshold for the Allowance](https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html#tbl-allowance)
*   you or your spouse/common-law partner are currently not under a sponsorship agreement

#### Allowance for the Survivor

You may be able to get the [Allowance for the Survivor](https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/guaranteed-income-supplement/allowance-survivor.html) benefit if:

*   your spouse or common-law partner has died and you have not remarried or entered into a common-law relationship
*   you are **60 to 64 years of age**
*   you are a Canadian Citizen or legal resident
*   you have lived in Canada for at least 10 years since the age of 18
*   your annual income is less than the[maximum annual income threshold for the Allowance for the Survivor](https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html#allowance-survivor)
*   you are not currently under a sponsorship agreement

Payment amounts for the Guaranteed Income Supplement, the Allowance and the Allowance for the Survivor are not considered taxable income.

For Guaranteed Income Supplement, Allowance, or Allowance for the Survivor payments, your benefit amount will be re-calculated each July based on your net income in the previous calendar year. Payments can increase, decrease or even stop according to changes in your annual net income.

## Maximum payments and income thresholds - July to September 2026

The following tables provide only the maximum payment amount for each benefit. For amounts based on your specific income, use the [Old Age Security (OAS) estimator](https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html#estimate-benefits).

If you lived in Canada for at least 10 years, but less than 40 years (after age 18) you will receive a partial Old Age Security pension. If you are receiving a[partial pension](https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/benefit-amount.html#h2.3-3.1), do not use these tables to determine your payment. You should[contact us](https://www.canada.ca/en/employment-social-development/corporate/contact/oas.html)for more information.

**Old Age Security pension (65+ years old)**| Your situation | Your annual net world income in 2025 must be | Maximum monthly payment amount |
| --- | --- | --- |
| I am age 65 to 74 | less than $152,062 | up to $751.97 |
| I am age 75 and over | less than $157,923 | up to $827.17 |

**Guaranteed Income Supplement (65+ years old)**| **Your situation** | **Your annual net income must be** | **Maximum monthly payment amount** |
| --- | --- | --- |
| I am single, widowed or divorced | less than $22,800 | up to $1,123.17 |
| I have a spouse/common-law partner who receives a full OAS pension | less than $30,096 (combined income of couple) | up to $676.09 |
| I have a spouse/common-law partner who receives the Allowance | less than $42,144 (combined income of couple) | up to $676.09 |
| I have a spouse/common-law partner who **does not** receive an OAS pension or Allowance | less than $54,624 (combined income of couple) | up to $1,123.17 |

**Allowance (60 to 64 years old)**| **Your situation** | **Your annual net income plus the annual net income of your spouse/common-law partner must be** | **Maximum monthly payment amount** |
| --- | --- | --- |
| I have a spouse/common-law partner who receives the GIS and the full OAS pension | less than $42,144 (combined income of couple) | up to $1,428.06 |

**Allowance for the Survivor (60 to 64 years old)**| **Your situation** | **Your annual net income must be** | **Maximum monthly payment amount** |
| --- | --- | --- |
| I am a surviving spouse or common-law partner | less than $30,696 | up to $1,702.34 |

For combined Old Age Security pension and Guaranteed Income Supplement amounts, consult the [Quarterly report of Canada Pension Plan and Old Age Security monthly amounts and related figures](https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2025-quarterly-october-december.html).

## Resources for partners

Open Government - [Table of Benefit Amounts by marital status and income level](https://open.canada.ca/data/en/dataset/dfa4daf1-669e-4514-82cd-982f27707ed0)

## Latest payment adjustment – July to September 2026

Based on changes in the Consumer Price Index (CPI), OAS benefits increased by 1.2% for the July to September 2026 quarter, for an increase of 2.3% over the past year, from July 2025 to July 2026.

## How payments are updated using the Consumer Price Index

Old Age Security payment amounts are reviewed each year in January, April, July and October to ensure they reflect cost of living increases, as measured by the Consumer Price Index (CPI).

Notably:

*   monthly payment rates will increase if the cost of living goes up
*   monthly payment rates **will not decrease** if the cost of living goes down

**Quarterly adjustment calculations**
The quarterly adjustment for all OAS benefits, including the Guaranteed Income Supplement (GIS), is based on the difference between the average CPI for two periods of three months each:

*   the most recent three-month period for which the CPI is available
*   the last three-month period where a CPI increase led to an increase in OAS benefit amounts

### Calculation of the July to September 2026 amounts

The calculation of the July to September 2026 amounts is based on the change in the CPI between the two following periods:

*   February, March and April 2026, and
*   November, December 2025 and January 2026

When calculating the amounts, the most recent period for which the CPI is available is February, March and April 2026. The average CPI for this period is 167.1.

 Most recent three-month period at the time of calculation | Most recent three-month period at the time of calculation | CPI |
| --- | --- |
| February 2026 | 165.9 |
| March 2026 | 167.4 |
| April 2026 | 168.0 |
| **The average for the three-month period** | 167.1 |

When calculating the amounts, the last period where a CPI increase led to an increase in OAS benefit amounts is November, December 2025 and January 2026. The average CPI for this period is 165.1.

**Last three-month period where an increase in the CPI led to an increase in OAS benefit amounts**| Last three-month period | CPI |
| --- | --- |
| November 2025 | 165.4 |
| December 2025 | 165.0 |
| January 2026 | 165.0 |
| **The average for the three-month period** | 165.1 |

The difference between these two periods represents an increase in the CPI. As a result, benefit amounts increase by 1.2%.

This is calculated as 167.1 minus 165.1, divided by 165.1.

## Page details

### From:

*   [Employment and Social Development Canada](https://www.canada.ca/en/employment-social-development.html)

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 2026-06-29