Guaranteed Income Supplement (GIS) Estimator — Annual Income (excluding OAS) (C$) ₹90,000

With annual income (excluding oas) (c$) of ₹90,000, the estimated monthly gis is CAD0.

Last updated: 7 April 2026·Source: Service Canada — GIS Rates

Annual Income (excluding OAS) (C$) (CAD)

Do not include OAS. Include CPP, employment income, RRSP withdrawals.

Marital Status

Estimated Monthly GIS

CAD565

Estimated Annual GIS

CAD6,786

Eligible for GIS?

Eligible — apply at Service Canada

2025 GIS rates are approximate. GIS is income-tested and reduces by $1 for every $2 of non-OAS income. GIS is not taxable. Apply at Service Canada. Rates are adjusted quarterly based on CPI.

What is the Guaranteed Income Supplement (GIS) Estimator?

The Guaranteed Income Supplement (GIS) is a non-taxable monthly benefit paid to low-income Old Age Security recipients. For 2025, the maximum single rate is approximately $1,065/month. GIS is income-tested — benefits reduce by $1 for every $2 of non-OAS income. GIS must be applied for through Service Canada.

Formula

GIS = max(0, Maximum GIS − (Annual Non-OAS Income ÷ 2) ÷ 12).

GIS_max: = Maximum monthly GIS for your marital status
I_non-OAS: = Annual non-OAS income

How to use the Guaranteed Income Supplement (GIS) Estimator

1
Step 1
Enter your annual income excluding OAS.
2
Step 2
Select your marital status.
3
Step 3
View your estimated monthly GIS benefit.

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Reviewed on 5 April 2026

Frequently asked questions

Is GIS taxable in Canada?

No. The Guaranteed Income Supplement is not taxable income and does not affect your income tax filing, though you must still file taxes each year to continue receiving it.

How do I apply for GIS?

Apply through Service Canada at age 65 when applying for OAS. You can apply online through My Service Canada Account or by mail. GIS is reviewed annually based on your tax return.