Canada’s Guaranteed Income Supplement (GIS) is set for a substantial boost in 2025, with increases that could reach up to $1,700 annually for eligible low‑income seniors.
Here’s your complete guide to the updated monthly rates, income thresholds, 2025 payment dates, eligibility criteria, and how GIS works alongside OAS and other supports.
What Is GIS and Why It Matters
The Guaranteed Income Supplement (GIS) is a non‑taxable, monthly benefit for low‑income seniors receiving Old Age Security (OAS). It is reviewed quarterly and adjusted for inflation, ensuring recipients maintain essential financial stability .
For many retirees, GIS significantly enhances their monthly income, contributing to a basic standard of living.
2025 GIS Payment Updates & Monthly Maximums
In 2025, GIS rates see noticeable increases. For the period July through September, current maximum monthly benefits are:
| Recipient Type | Annual Income Threshold | Max. Monthly GIS (2025 Q3) |
|---|---|---|
| Single, widowed, or divorced | Less than $22,272 | $1,097.75 |
| Couple—partner receives full OAS | Combined income < $29,424 | $660.78 each |
| Couple—partner on Allowance | Combined income < $41,184 | $660.78 each |
| Couple—partner without OAS or Allowance | Combined income < $53,376 |
This reflects up to approximately an extra $1,700 annually (around $140/month) for single seniors and equivalent boosts for couples, depending on circumstances.
Income Thresholds & Eligibility
To qualify for GIS in 2025, you must:
- Be 65 or older, reside in Canada, and receive OAS.
- Have income below thresholds as shown in the table above; note that OAS, GIS, Allowance are not counted as income when testing eligibility.
For immigrants:
- Sponsored immigrants may not qualify unless exceptional circumstances apply.
- Non‑sponsored immigrants can receive GIS if they meet OAS eligibility .
Payment Schedule — 2025 GIS Dates
GIS payments align with OAS and are issued monthly via direct deposit or cheque. In 2025, the scheduled payment dates are:
January 29, February 26, March 27, April 28, May 28, June 26, July 29, August 27, September 25, October 29, November 26, and December 22 .
How GIS Adjusts and Is Calculated
GIS adjusts quarterly (January, April, July, October) based on the Consumer Price Index (CPI) and does not decrease if inflation drops .
Payments are based on prior-year income (e.g., July 2025–June 2026 uses 2024 income), with a 50‑cent reduction in GIS per dollar of additional income beyond the threshold.
Applying for GIS
Many seniors are automatically enrolled when they begin receiving OAS. If you don’t receive an automatic enrollment letter, you should apply via Service Canada.
The 2025 GIS increase, offering up to $1,700 more annually, is a meaningful improvement for low-income seniors, reflecting Canada’s commitment to supporting vulnerable retirees in the face of inflation.
With clear eligibility thresholds, structured payment dates, and quarterly inflation indexing, GIS continues to be a cornerstone of financial security for Canadian seniors.
FAQs
What’s the maximum GIS increase in 2025?
Up to about $140 extra per month, totaling approximately $1,700 annually for single seniors at maximum benefit.
Who qualifies for GIS and its increase?
You must be 65+, live in Canada, receive OAS, and have income below thresholds ($22,272 single; $29,424–$53,376 for couples).
When are GIS payments made in 2025?
Monthly on set dates from January 29 to December 22, depending on your direct deposit/cheque setup.