CPP OAS GIS Payment: Canadian seniors receive their Canada Pension Plan, Old Age Security and Guaranteed Income Supplement deposits on Friday, September 25, 2026, and this one closes out a quarter. It is the third and final payment carrying the July to September 2026 rate card, which means the maximum OAS pension holds at $751.97 a month for seniors aged 65 to 74 and $827.17 for those 75 and over. Service Canada has already confirmed what happens next: a 1.4 percent increase takes effect for the October to December quarter, larger than the 1.2 percent bump that has been in place since late July. Anyone budgeting to the dollar should treat September 25 as the last deposit at the current figure. We’ll be updating this article monthly.
The size of that October adjustment is the detail worth pausing on. Old Age Security is reviewed four times a year against the Consumer Price Index, and 2026 has delivered a steadily accelerating pattern: 0.3 percent in January, 0.1 percent in April, 1.2 percent in July, and now 1.4 percent confirmed for October. Measured year over year, the October figure represents a 3.0 percent gain from October 2025, the strongest twelve-month movement seniors have seen in this cycle. Canada Pension Plan works on a different clock entirely. It indexes once a year, in January, and the 2.0 percent increase applied at the start of 2026 is the number that carries through every remaining deposit this year. That difference explains a question Service Canada fields constantly: why the OAS portion of a deposit moves four times a year while the CPP portion sits still for twelve months.
CPP, OAS and GIS Payment Date September 2026
All three benefits pay on the same day. Service Canada issues them on the third-to-last business day of each month, which for September 2026 is Friday, September 25. They arrive as separate transactions rather than one combined credit. Your bank statement will show a Canada Pension Plan deposit and an Old Age Security deposit posting in the same overnight run. The Guaranteed Income Supplement is the exception: it is not a standalone payment at all. Service Canada folds GIS into the OAS deposit, so a single senior receiving both sees one Old Age Security line covering the combined amount.
| Month | CPP, OAS and GIS payment date 2026 |
|---|---|
| January 2026 | January 28, 2026 |
| February 2026 | February 25, 2026 |
| March 2026 | March 27, 2026 |
| April 2026 | April 28, 2026 |
| May 2026 | May 27, 2026 |
| June 2026 | June 26, 2026 |
| July 2026 | July 29, 2026 |
| August 2026 | August 27, 2026 |
| September 2026 | September 25, 2026 |
| October 2026 | October 28, 2026 |
| November 2026 | November 26, 2026 |
| December 2026 | December 22, 2026 |
Key Highlights of the CPP OAS GIS Payment 2026
| Item | Detail |
|---|---|
| Payment date | Friday, September 25, 2026 |
| Benefits paid | CPP, OAS, GIS, Allowance, Allowance for the Survivor |
| Quarter | July to September 2026, final payment |
| Current OAS increase | 1.2 percent, in effect since July 29 |
| Next OAS increase | 1.4 percent, effective October 2026 |
| Maximum OAS, age 65 to 74 | $751.97 per month |
| Maximum OAS, age 75 and over | $827.17 per month |
| Maximum GIS, single senior | $1,123.17 per month |
| Maximum CPP retirement pension at 65 | $1,507.65 per month |
| Average new CPP retirement pension | $925.35 per month |
| CPP indexation 2026 | 2.0 percent, applied in January |
| OAS recovery tax threshold | $93,454 of 2025 net world income |
| Next payment | October 28, 2026 |
| Administered by | Service Canada |
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OAS Payment Amounts July to September 2026
Old Age Security is not a contributory pension. What you receive depends on your age, how many years you lived in Canada after turning 18, and your income. A full pension requires 40 years of Canadian residence after age 18. Fewer years produce a proportional partial pension, calculated in fortieths.
For the current quarter, the maximum monthly OAS pension is $751.97 for seniors aged 65 to 74 and $827.17 for seniors 75 and over. The gap between the two figures comes from the permanent 10 percent enhancement introduced in July 2022, which applies automatically from the month after a recipient’s 75th birthday with no application required.
| OAS situation | 2025 net world income must be under | Maximum monthly payment |
|---|---|---|
| Age 65 to 74 | $152,062 | $751.97 |
| Age 75 and over | $157,923 | $827.17 |
The income column in that table is the point at which OAS disappears entirely, not the point where it starts shrinking. The reduction begins much earlier. The OAS recovery tax, widely known as the clawback, removes 15 cents of pension for every dollar of individual net world income above $93,454 for the 2025 tax year. A senior aged 65 to 74 with net income of $110,000 loses roughly $2,482 of annual OAS to the recovery tax. Recovery is applied through monthly withholding over the following July to June period rather than as a single bill.
One structural quirk catches people out. OAS is taxable income and counts toward your tax bracket, yet it is excluded from the income figure used to calculate its own recovery tax. GIS, the Allowance and the Allowance for the Survivor are not taxable at all and are not reported as income.
How the 1.2 Percent Increase Was Calculated, and Why October Brings 1.4 Percent
The quarterly adjustment is arithmetic, not discretion. Service Canada compares the average Consumer Price Index over the most recent available three-month window against the average over the last three-month window that produced an increase.
For the July to September quarter, the recent window was February, March and April 2026, with CPI readings of 165.9, 167.4 and 168.0, averaging 167.1. The comparison window was November and December 2025 and January 2026, reading 165.4, 165.0 and 165.0, averaging 165.1. The difference divided by the base gives 1.2 percent.
The rule runs one direction only. If the cost of living falls, OAS rates hold steady rather than dropping. Seniors never see a quarterly cut.
October’s confirmed 1.4 percent reflects continued price movement through the spring and early summer. Applied to the current maximums, it lifts the 65 to 74 pension to roughly $762 and the 75-plus pension to roughly $838, with the official rate card published before the October 28 deposit. Those projected figures are our calculation from the confirmed percentage, not yet Service Canada’s published numbers.
GIS Payment Amounts 2026: Maximums by Marital Status
The Guaranteed Income Supplement is a non-taxable monthly top-up for OAS recipients with low income. It is income-tested rather than contribution-based, and the maximum you can receive depends entirely on your marital situation and whether your partner also collects OAS.
| GIS situation | Annual net income must be under | Maximum monthly payment |
|---|---|---|
| Single, widowed or divorced | $22,800 | $1,123.17 |
| Spouse receives full OAS pension | $30,096 combined | $676.09 |
| Spouse receives the Allowance | $42,144 combined | $676.09 |
| Spouse receives neither OAS nor Allowance | $54,624 combined | $1,123.17 |
Two related benefits sit alongside GIS for people aged 60 to 64 who are not yet eligible for OAS themselves.
| Benefit | Annual net income must be under | Maximum monthly payment |
|---|---|---|
| Allowance, spouse receives GIS and full OAS | $42,144 combined | $1,428.06 |
| Allowance for the Survivor | $30,696 | $1,702.34 |
Both require at least 10 years of Canadian residence since age 18 and neither is available to anyone currently under a sponsorship agreement.
The critical operational detail with GIS is the annual reset. Every July, Service Canada recalculates GIS, the Allowance and the Allowance for the Survivor using your net income from the previous calendar year. Payments can rise, fall or stop outright based on that recalculation. The September 25 deposit reflects your 2025 income, freshly applied as of July. This is also the single most common reason a GIS amount drops to zero without warning: an unfiled tax return leaves Service Canada with no income figure to work from.
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CPP Payment Amounts 2026: Maximum and Average by Benefit Type
Canada Pension Plan works on the opposite logic to OAS. It is earnings-based, funded by contributions you and your employers made during your working life, and the amount reflects how much you contributed, for how long, and at what age you started collecting.
| CPP benefit type | Average for new beneficiaries | Maximum monthly amount |
|---|---|---|
| Retirement pension at age 65 | $925.35 | $1,507.65 |
| Post-retirement benefit at 65 | $11.93 | $54.69 |
| Disability benefit | $1,210.86 | $1,741.20 |
| Post-retirement disability benefit | $610.46 | $610.46 |
| Survivor’s pension, under 65 | $545.71 | $803.54 |
| Survivor’s pension, 65 and over | $334.24 | $904.59 |
| Children’s benefit, under 18 or full-time student | $307.81 | $307.81 |
| Children’s benefit, part-time student | $153.91 | $153.91 |
| Combined survivor and retirement at 65 | $1,140.69 | $1,531.56 |
| Combined survivor and disability | $1,324.04 | $1,756.14 |
| Death benefit, one-time | $2,572.00 | $2,500.00 |
The gap between the two columns is the most important thing on that table. The maximum retirement pension is $1,507.65, but the average new beneficiary at 65 receives $925.35, roughly 61 percent of the ceiling. Hitting the maximum requires close to maximum contributions for around 39 years. Most working lives include lower-earning years, caregiving gaps and periods of part-time work, all of which reduce the calculation.
There is a technical wrinkle worth knowing. The $1,507.65 maximum applies specifically to benefits beginning in January 2026. Because the CPP enhancement that started in 2019 is still phasing in, the maximum for new benefits rises slightly every single month through the year. Someone starting their pension in December 2026 qualifies for a marginally higher ceiling than someone who started in January.
Start age changes the amount permanently. Taking CPP before 65 reduces it by 0.6 percent for each month early, a 36 percent cut at age 60. Delaying past 65 increases it by 0.7 percent for each month, a 42 percent gain at age 70. The decision is irreversible once payments are underway, apart from a narrow cancellation window.
CPP OAS GIS Calculator: Estimate Your Monthly Retirement Income
The tool below combines all three benefits into one monthly figure using the July to September 2026 rate card, the OAS residency proration, the recovery tax formula and a GIS income taper.
CPP, OAS and GIS Calculator
July to September 2026 Service Canada rates, paid September 25, 2026
| Canada Pension Plan | $0 |
| Old Age Security | $0 |
| Guaranteed Income Supplement | $0 |
| OAS recovery tax withheld | $0 |
| Estimated annual total | $0 |
| Next payment date | September 25, 2026 |
A transparency note on the GIS line. Service Canada does not publish a single public formula for the supplement; it uses detailed income tables by marital status and bracket. The calculator applies the widely used approximation of a 50 cent reduction per dollar of income for single recipients and 25 cents for each partner in a couple. The OAS and CPP figures use the exact published rates and adjustment percentages. For a confirmed GIS number, the official OAS Benefits Estimator is the authority.
How to Apply for CPP, OAS and GIS?
The three benefits follow different application paths, and confusing them is the most common reason a first payment arrives late.
Canada Pension Plan never starts automatically. You must apply. The fastest route is My Service Canada Account, where the retirement pension application can be completed online. If you cannot apply online, the paper application is mailed to a Service Canada office. You will need your Social Insurance Number, banking details for direct deposit, and information about your work history and marital status. Applications can be submitted up to 12 months before the date you want payments to begin.
Old Age Security is partly automatic. Service Canada enrols many seniors and mails a notification letter the month after their 64th birthday. If that letter never arrives, the responsibility shifts to you. Apply through My Service Canada Account or by submitting the OAS application form. Waiting silently is the wrong move, because OAS is only retroactive for a maximum of 11 months plus the month of application.
Guaranteed Income Supplement is applied for alongside OAS. Once you are enrolled, renewal happens automatically each year, driven entirely by your filed tax return. There is no annual form to submit. If your income is low and you are receiving OAS but no GIS, call Service Canada at 1-800-277-9914 to check whether you qualify, because the supplement can more than double a modest OAS cheque.
CPP and OAS Processing Time
Processing times vary dramatically by application channel, and the difference is large enough to change when you should apply.
| Application | Typical processing time | Channel |
|---|---|---|
| CPP retirement pension | About 7 to 14 business days | Online through My Service Canada Account |
| CPP retirement pension | Up to 120 days | Paper application by mail or in person |
| OAS pension | Varies, check your account | Online or paper |
| GIS | Processed with the OAS application | Online or paper |
Service Canada’s own guidance is to allow up to 120 days for a determination on a paper CPP application. Applying online collapses that to roughly two weeks in ordinary conditions. The practical recommendation from Service Canada is to apply around six months before you want payments to start, which builds in enough buffer for either channel.
Anyone tracking an application should use the progress status tool inside My Service Canada Account rather than calling. The account shows where an application sits and what documents, if any, are outstanding.
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How to Check if Payment Not Received After September 25?
Direct deposit is close to instantaneous. Most Canadian financial institutions post CPP and OAS before 9 a.m. on the payment date. Paper cheques are a different story, and Service Canada asks recipients to allow one to two weeks of mailing time before reporting one missing.
When a deposit genuinely fails to appear, the cause is usually one of a handful of things. Outdated banking details after a bank change send the payment nowhere. An unreported address change misdirects a cheque. For GIS specifically, an unfiled tax return is the leading cause of a supplement dropping to zero, since Service Canada cannot recalculate the July reset without income information. A recipient who has moved outside Canada may hit residency rules that change or suspend entitlement.
It also helps to remember that CPP and OAS come from two separate payment systems. Seeing one arrive and not the other is not unusual and rarely signals a problem with both.
Official CPP, OAS and GIS Links and Resources
FAQs
When is the next CPP, OAS and GIS payment date?
Friday, September 25, 2026, followed by October 28, November 26 and an early holiday deposit on December 22. Service Canada pays all three on the same date each month, the third-to-last business day.
How much is OAS per month in 2026?
For the July to September 2026 quarter, the maximum is $751.97 a month for seniors aged 65 to 74 and $827.17 for those 75 and over. Those figures assume 40 years of residence in Canada after age 18 and income below the recovery tax threshold. A 1.4 percent increase takes effect for the October to December quarter.
Why did my OAS go up in July but my CPP stay the same?
They index on different schedules. Old Age Security is reviewed quarterly against the Consumer Price Index, in January, April, July and October. Canada Pension Plan is indexed once a year, every January. The 2.0 percent CPP increase applied in January 2026 carries unchanged through December.
Is GIS taxable income?
No. The Guaranteed Income Supplement, the Allowance and the Allowance for the Survivor are all non-taxable and are not reported as income on your return. Old Age Security and CPP, by contrast, are both fully taxable.
Do I get CPP and OAS as one deposit or two?
Two. They come from separate payment systems and appear as separate lines on your bank statement, usually posting together. GIS is the exception and is bundled inside the OAS deposit rather than paid on its own.
What is the maximum CPP payment in 2026?
$1,507.65 a month at age 65 for benefits starting in January 2026. Very few people receive it, because it requires roughly 39 years of contributions at or near the maximum. The average new beneficiary receives $925.35.
Can I receive OAS while living outside Canada?
Yes, if you lived in Canada for at least 20 years after turning 18. With fewer than 20 years, payments generally continue for six months after the month you leave and then stop. GIS ends after six months of absence regardless of residence history.
Does CPP affect how much GIS I receive?
Yes. CPP counts as income for the GIS calculation, so a larger CPP pension reduces the supplement. Old Age Security itself is excluded from that income test. This interaction is why some low-income seniors find that delaying CPP to 70 increases one benefit while shrinking another.
Will OAS increase again in January 2027?
An adjustment is reviewed every January, April, July and October, so January 2027 is a scheduled review point. Whether it produces an increase depends on Consumer Price Index movement in the relevant three-month windows. Rates never fall when inflation eases; they simply hold at the existing level.
Is it better to take CPP at 60 or 70?
There is no universal answer. Starting at 60 permanently reduces the pension by 36 percent; waiting until 70 permanently increases it by 42 percent. Delaying pays off for people in good health with other income to bridge the gap. Taking it early makes sense for those with health concerns, immediate income needs, or who would otherwise draw down registered savings. For low-income seniors, a larger CPP can also reduce GIS, which complicates the arithmetic further.
How much money can a senior have in the bank and still get GIS?
Savings themselves are not counted. GIS is tested on income, not assets, so the balance in a chequing or savings account is irrelevant. What matters is the income those assets generate, such as interest, dividends and RRIF withdrawals. TFSA withdrawals produce no taxable income and therefore do not reduce GIS, which is why financial planners often favour TFSAs over RRSPs for lower-income savers.
What is the OAS clawback threshold for 2026?
The recovery tax applies to individual net world income above $93,454 for the 2025 tax year. Above that line, 15 cents of OAS is recovered per additional dollar of income. Full elimination occurs at $152,062 for seniors aged 65 to 74 and $157,923 for those 75 and over.
How do I check my CPP and OAS payment status online?
Sign in to My Service Canada Account. It displays your payment history, upcoming deposit dates, current benefit amounts and the status of any pending application. It is also where you update direct deposit details and your address, both of which are common causes of a missing payment.
Can you get GIS and CPP at the same time?
Yes, and a great many seniors do. The two are entirely separate programs, one contribution-based and one income-tested. Receiving CPP does not disqualify you from GIS, though the CPP amount counts as income in the GIS calculation and reduces the supplement accordingly.
What happens to CPP and OAS when a spouse dies?
CPP may pay a one-time death benefit of up to $2,500 to the estate, plus an ongoing survivor’s pension worth up to $904.59 a month for a survivor aged 65 or over. OAS stops for the deceased. A surviving spouse aged 60 to 64 may qualify for the Allowance for the Survivor, worth up to $1,702.34 a month, and a surviving GIS recipient’s amount is recalculated on single rates rather than couple rates.
Conclusion
The September 25 payment is the closing instalment of a quarter, not the start of a new one. Rates hold at $751.97 and $827.17 for OAS, $1,123.17 for a single senior on the maximum GIS, and whatever CPP amount January’s 2.0 percent indexation established for your individual pension. Nothing on this deposit changes from August.
What changes is the next one. Service Canada has confirmed 1.4 percent for October to December, and that increase lands with the October 28 payment. Seniors on tight budgets should plan the next five weeks around the current figure and expect a modest lift from late October onward.
Two habits protect these payments more than anything else. File a tax return every year without exception, because the July GIS reset depends on it and an unfiled return is the leading cause of a supplement stopping cold. And keep direct deposit and address details current in My Service Canada Account, which is where nearly every missing-payment investigation eventually leads. The next CPP, OAS and GIS payment date after September 25 is October 28, 2026, followed by November 26 and December 22.
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