Canada OAS Spousal Allowance Calculator 2026

Check your eligibility for the OAS Allowance based on combined income

👫 Marital status

✓ Married / Common-Law — Spouse receives GIS + full OAS

Standard Allowance — Combined income threshold: $42,144

✓ Married / Common-Law — Spouse receives GIS + Allowance

Allowance — Combined income threshold: $41,616

✓ Spouse / Common-Law partner has died

Allowance for the Survivor — Income threshold: $30,696

💰 Annual net income (previous year)

Your Net Income ($)

Spouse's Net Income ($)

Combined Net Income ($)

Eligibility Status

ELIGIBLE

Room available: $42,144

ELIGIBLE

Combined Income

Income Threshold

$42,144

Max Monthly Benefit

$1,428.06

Combined income vs threshold $0 / $42,144

✓ Eligible: Your combined income is below the threshold. You may qualify for the Allowance.

STEP 1 — Marital Status

Selected statusMarried — Spouse gets GIS + OAS

STEP 2 — Combined Net Income

Your net income$0

Spouse's net income$0

Combined income$0

STEP 3 — Income Threshold

Threshold$42,144

Maximum monthly benefit$1,428.06

STEP 4 — Eligibility Determination

Room available / Over threshold$42,144

Eligibility statusELIGIBLE

Apply for the Allowance via Service Canada →

⚠️ This calculator provides estimated OAS Spousal Income and Allowance eligibility information for informational purposes only. Actual Allowance amounts are determined by Service Canada based on your income tax return and individual circumstances. This tool uses the official OAS Allowance rules and income thresholds for the 2026 benefit year (July–September 2026 quarter) but should not be considered as official confirmation of eligibility or benefit amount. Always verify with Service Canada or consult a qualified professional.

❓ FAQ

What is the OAS Allowance? ▼

The Allowance is a monthly tax-free payment for low-income individuals aged 60 to 64 whose spouse or common-law partner receives the Guaranteed Income Supplement (GIS) and the Old Age Security (OAS) pension.

How much is the Allowance in 2026? ▼

For July to September 2026, the maximum monthly Allowance is $1,428.06. The combined annual income of the couple must be less than $42,144.

What is the Allowance for the Survivor? ▼

The Allowance for the Survivor is a similar benefit for low-income individuals aged 60 to 64 whose spouse or common-law partner has died. The maximum for July–September 2026 is $1,702.34, with an income threshold of $30,696.

How is my combined income calculated? ▼

Your combined income is your net income plus your spouse's net income from the previous year. This includes CPP, pensions, RRSP withdrawals, investment income, and employment income.

What income does NOT count toward the threshold? ▼

OAS pension, GIS, and Allowance payments are not counted as income for the Allowance calculation.

When should I apply for the Allowance? ▼

You should apply 6 to 11 months before you turn 60. If you are already 60 to 64, apply as soon as possible.

What happens when I turn 65? ▼

The Allowance stops the month after you turn 65. At that point, you transition to OAS and potentially GIS based on your own eligibility.

Is the Allowance taxable? ▼

No, the Allowance is a non-taxable benefit.

⚠️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

Canada OAS Spousal Allowance Calculator 2026

Related Calculators