Old Age Security payment amounts

From: Employment and Social Development Canada

Your Old Age Security (OAS) pension amount is determined by how long you have lived in Canada after the age of 18. It is considered taxable income and is subject to a recovery tax if your individual net annual income is higher than the net world income threshold set for the year ($79,054 for 2020).

In addition to the Old Age Security pension there are 3 other benefits that you may also qualify for:

  • the Guaranteed Income Supplement
  • the Allowance
  • the Allowance for the Survivor

Payment amounts for these benefits are based on your age, marital status and level of income. They are not considered taxable income.

For Guaranteed Income Supplement, Allowance, or Allowance for the Survivor payments, amounts 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.

Increased Old Age Security pension at age 75 July 2022

Seniors aged 75 and over will see an automatic 10% increase of their Old Age Security pension, as of July 2022.

How payment rates are calculated

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

For example:

  • 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

Note: Subsequent to the increase in the Consumer Price Index, OAS benefit amounts will increase by 1.3% for the July to September 2021 quarter.

Consumer Price Index calculations

The CPI is a measure of the rate of price change for goods and services bought by Canadian consumers. The increase or decrease in the CPI is measured by the percentage change between the average of the most recent 3-month CPI period and that of the last 3-month CPI period.

If you are receiving a partial OAS pension

If you are receiving a partial Old Age Security pension, you should contact us for more information about your OAS pension, Guaranteed Income Supplement or your spouse`s or common-law partner`s Allowance payment amounts.

If you are receiving a full OAS pension

Old Age Security (OAS) pension amounts - July to September 2021
Maximum monthly payment amount Your annual income must be
$626.49 Less than $129,581

Guaranteed Income Supplement (GIS) amounts - July to September 2021

If you are a single, widowed or divorced pensioner
Your situation Maximum monthly payment amount Your annual income must be
If you are a single, widowed or divorced pensioner $935.72 Less than $18,984
 If you have a spouse or common-law partner
Your situation Maximum monthly payment amount Your annual income plus the annual income of your spouse/common-law partner must be
If your spouse/common-law partner receives the full OAS pension $563.27 Less than $25,104
If your spouse/common-law partner does not receive an OAS pension or Allowance $935.72 Less than $45,504
If your spouse/common-law partner receives the Allowance $563.27 Less than $45,504
Allowance amounts – July to September 2021
Your situation Maximum monthly payment amount Your annual income plus the annual income of your spouse/common-law partner must be
If your spouse/common-law partner receives the GIS and the full OAS pension $1,189.76 Less than $35,136
Allowance for the Survivor amounts - July to September 2021
Your situation Maximum monthly payment amount Your annual income must be
If you are a surviving spouse or common-law partner $1,418.25 Less than $25,560

For combined Old Age Security pension and benefit amounts, consult the Quarterly report of Canada Pension Plan and Old Age Security monthly amounts and related figures.

Payment amounts based on your income

The following tables of amounts (updated quarterly) will show you the amount of your monthly benefit.
Choose the benefit table that best describes your personal situation based on your:

  • marital status
  • annual income level (from the previous year)

Printable version in PDF format (2.92 MB, 52 pages)

Guaranteed Income Supplement

Table 1: If you are single, surviving spouse/common-law partner or divorced pensioners receiving a full Old Age Security pension

Select your annual income range:

Table 2: If you are married or common-law partners, both receiving a full Old Age Security pension

Select your combined annual income range:

Table 3: If you are receiving a full Old Age Security pension whose spouse or common-law partner does not receive an OAS pension

Select your combined annual income range:

Guaranteed Income Supplement and Allowance

Table 4: If you are receiving a full Old Age Security pension and your spouse or common-law partner is aged 60 to 64

Select your combined annual income range:

Allowance for the Survivor

Table 5: If you are a surviving spouse or common-law partner aged 60 to 64 who has not re-married or entered into a common-law partnership

Select your annual income range:
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