The Guaranteed Income Supplement (GIS) is a critical source of financial support for low-income Canadian seniors who receive Old Age Security (OAS).
In 2025, the GIS payment schedule and maximum allowable amounts have been confirmed, giving seniors the clarity they need to budget. Payments arrive on the same day as OAS, and GIS amounts are updated quarterly to reflect inflation and income changes.
Below, you’ll find the 2025 GIS schedule, rate tiers by marital status, eligibility rules, and tips to ensure you receive the correct benefit.
2025 GIS Payment Dates & Schedule
GIS payments are deposited in tandem with OAS benefit days, meaning recipients get their supplements on consistent monthly dates. The projected 2025 GIS deposit dates include:
| Month | GIS Payment Date (2025) |
|---|---|
| January | January 29 |
| February | February 26 |
| March | March 27 |
| April | April 28 |
| May | May 28 |
| June | June 26 |
| July | July 29 |
| August | August 27 |
| September | September 25 |
| October | October 29 |
| November | November 26 |
| December | December 22 |
Because GIS aligns with OAS, recipients can expect seamless, predictable monthly deposits following this structure.
GIS Maximum Amounts & Income Thresholds (Oct–Dec 2025)
GIS benefits vary based on marital status, combined income, and whether a spouse receives OAS. For the October to December 2025 quarter, the maximum monthly GIS rates are:
| Recipient Situation | Annual Income Limit | Max Monthly GIS |
|---|---|---|
| Single / Widowed / Divorced | Less than $22,440 | Up to $1,105.43 |
| Spouse / Partner receives full OAS | Combined income less than $29,616 | Up to $665.41 each |
| Spouse / Partner does not receive OAS | Combined income less than $53,808 | Up to $1,105.43 |
These amounts are non-taxable, and GIS rates are reviewed quarterly (January, April, July, October) to keep pace with cost-of-living changes.
Eligibility & Application Rules
To qualify for GIS in 2025, seniors must:
- Be 65 years or older
- Be eligible for Old Age Security (OAS)
- Reside in Canada
- Have income below threshold values (alone or combined with spouse)
Most GIS recipients are automatically enrolled when they receive OAS, but some must apply via their online Service Canada account or by submitting a paper application. Because GIS is income-tested, applicants must accurately report income each year—changes in income or marital status may affect the amount you receive or your eligibility.
How GIS Integrates with OAS & Adjustments
GIS payments are designed to supplement OAS, ensuring that seniors with low incomes have more financial support.
As OAS is adjusted quarterly for inflation, GIS is also modified so that the combined benefits reflect economic conditions. Payments will never decrease even if the cost of living falls; adjustments only raise or maintain benefit levels.
The 2025 GIS payment schedule offers clarity and consistency for Canadian seniors counting on this essential support. With deposits aligned to OAS dates and maximum monthly rates ranging from $665.41 to $1,105.43, those eligible can better manage their finances.
Because GIS is income-tested and adjusted quarterly, keeping tax filings and financial reporting up to date is crucial to maintain or increase your benefit.
FAQs
When will my GIS payment be deposited each month?
Your GIS supplement arrives on the same day as your OAS deposit. In 2025, that date is typically near the month’s end (e.g. October 29, November 26, December 22).
Can my GIS amount change mid-year?
Yes. Because GIS is based on your annual income, changes in your reported income or marital status can lead to adjustments. Also, GIS is updated quarterly in line with inflation.
Is GIS taxable?
No. GIS is considered non-taxable income, so you won’t pay income tax on what you receive.