GIS Income Calculator for Single Seniors 2026 | Guaranteed Income Supplement Estimator

Q: What is the GIS Earnings Exemption?

The first $5,000 of employment or self-employment income is 100% exempt. An additional 50% of income between $5,000 and $15,000 is also exempt, up to a maximum total exemption of $10,000.

Maximum GIS

Estimated Monthly GIS Benefit

$1,123.17

Annual GIS Total

$13,478.04

Countable Net Income

$0.00

Est. Basic OAS (65-74)

$727.67/mo

Total Annual Income (OAS+GIS)

$22,210.08

$0 Countable Income: $0 / $22,800 Cut-Off $22,800 Cut-Off

1. Personal Eligibility Confirmation

Your Age

Marital Status

2. Annual Income Inputs (Excluding OAS & GIS)

CPP / QPP Benefits ($)

Employment / Self-Employment ($)

Other Pensions / Superannuation ($)

RRSP / RRIF Withdrawals ($)

Investment & Dividend Income ($)

Net Rental Income ($)

Other Income ($)

Income Source Breakdown & Exemptions

Income Stream	Gross Input	Exemption Applied	Net Countable Income

Eligibility Criteria Audit

⚠️ Mandatory Disclaimer: This calculator provides estimated GIS amounts for informational purposes only. Actual GIS payments are determined by Service Canada based on your income tax return and individual circumstances. This tool uses the official GIS calculation rules and maximum amounts for the 2026 benefit year (July 2026 – June 2027) but should not be considered as official confirmation of benefit amount. Always verify with Service Canada or consult a qualified professional.

Frequently Asked Questions (FAQ)

1. What is the GIS?

The Guaranteed Income Supplement (GIS) is a monthly, tax-free payment for low-income Old Age Security (OAS) pensioners. It provides extra financial support for seniors with little or no income other than OAS.

2. Who is eligible for GIS as a single senior?

You must be 65 or older, receive OAS pension, live in Canada, not be under a sponsorship agreement, and have an annual countable income below $22,800 (2026 threshold for single seniors).

3. How much can I receive from GIS?

The maximum monthly GIS for a single senior in Q3 2026 (July-September) is $1,123.17. Your actual payment decreases by $1 for every $2 of other annual countable income ($0.50 per $1).

4. What is the GIS Earnings Exemption?

The first $5,000 of annual employment or self-employment earnings is 100% exempt. 50% of the next $10,000 earned is also exempt, resulting in a maximum total exemption of $10,000 on earnings up to $15,000.

5. Is GIS taxable?

No. GIS payments are completely tax-free and are not included in taxable income on your Canadian tax return.

⚠️This tool is for information purpose only. We do not guarantee any claim.
It is made based on data publicaly available on official website of concerned department.

Last Updated: March 2026 | Official Determination Required

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