This tracker follows every official change to the Canada Pension Plan (CPP), Old Age Security (OAS), the Guaranteed Income Supplement (GIS) and the Allowances through 2026, quarter by quarter. Each amount comes from Employment and Social Development Canada (ESDC) tables on Canada.ca; each percentage change that ESDC does not state in words is calculated from those tables and marked as a calculation. The full dataset is free to download as a CSV and is regenerated from the same verified files each quarter. This is a record of published figures, not financial advice. The exact amount any one person receives depends on contributions, years in Canada, age and income, and is shown in My Service Canada Account.
For the amounts in force right now, with income limits for each situation, see the OAS payment amounts page. This report focuses on what changed, when, and by how much.
How much did OAS increase in each quarter of 2026?
OAS amounts are reviewed four times a year, in January, April, July and October. In 2026 every review produced an increase, but the size varied a lot: the first half of the year added only a few dollars, while July and October added most of the year’s growth. The table shows the maximum monthly amounts ESDC published for each quarter, starting with October to December 2025 as the baseline.
How to read this table: Maximum monthly amounts for a full, non-deferred OAS pension and the highest GIS and Allowance payments (which include top-ups for the lowest incomes). The GIS couple column is the amount for each partner when the other partner receives an OAS pension. Partial pensions and income-tested payments are lower.
| Quarter | OAS, 65 to 74 | OAS, 75 and over | GIS, single | GIS, couple (each) | Allowance | Allowance for the Survivor |
|---|---|---|---|---|---|---|
| October to December 2025 | $740.09 | $814.10 | $1,105.43 | $665.41 | $1,405.50 | $1,675.45 |
| January to March 2026 | $742.31 | $816.54 | $1,108.74 | $667.41 | $1,409.72 | $1,680.47 |
| April to June 2026 | $743.05 | $817.36 | $1,109.85 | $668.08 | $1,411.13 | $1,682.15 |
| July to September 2026 | $751.97 | $827.17 | $1,123.17 | $676.09 | $1,428.06 | $1,702.34 |
| October to December 2026 | $762.50 | $838.75 | $1,138.90 | $685.56 | $1,448.06 | $1,726.18 |
Source: Maximum Benefit Amounts and Related Figures — CPP (2025) and OAS (October to December 2025), Table 5; Maximum Benefit Amounts and Related Figures — CPP (2025), Table 1 (maximum new CPP benefits, January 2025); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (January to March 2026), Table 5; Maximum Benefit Amounts and Related Figures — CPP (2026), Table 1 (maximum new CPP benefits, January 2026); Maximum Benefit Amounts and Related Figures — CPP (2026), under Table 1 (annual adjustment of CPP benefits in pay); Canada Pension Plan amounts and the Consumer price index — Canada.ca (January 2026 adjustment of CPP benefits); Canada Pension Plan amounts and the Consumer price index — Canada.ca (CPI periods used for the 2026 CPP adjustment); Canada Pension Plan amounts and the Consumer price index — Canada.ca (no decrease when the CPI falls); Old Age Security — How much you could receive (Canada.ca; timing of the age-75 increase); Maximum Benefit Amounts and Related Figures — January to March 2026, footnote 7 (2026 OAS repayment range, estimate); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (April to June 2026), Table 5; Maximum Benefit Amounts and Related Figures — April to June 2026, footnote 7 (2026 OAS repayment range, estimate); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (July to September 2026), Table 5; Maximum Benefit Amounts and Related Figures — July to September 2026, footnote 7 (2026 OAS repayment range, estimate); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (October to December 2026), Table 5; Maximum Benefit Amounts and Related Figures — October to December 2026, footnote 7 (2026 OAS repayment range); Old Age Security payment amounts — Canada.ca (July to September 2026 increase; Internet Archive copy of the Canada.ca page, captured 2026-09-12); Old Age Security payment amounts — Canada.ca (October to December 2026 increase); Old Age Security payment amounts — Canada.ca (how the quarterly adjustment is calculated); Old Age Security payment amounts — Canada.ca (CPI period used for October to December 2026); Old Age Security payment amounts — Canada.ca (CPI base period for October to December 2026); Old Age Security payment amounts — Canada.ca (75 and over increase). In effect from October 1, 2025 to December 31, 2026; checked October 6, 2026.
The next table shows the size of each step. For July (1.2%) and October (1.4%) the table quotes the percentage ESDC stated on its OAS payment amounts page; the other percentages are calculated from the published maximums.
| Quarter | OAS 65 to 74 | Change from previous quarter | GIS single | Change from previous quarter |
|---|---|---|---|---|
| January to March 2026 | $742.31 | +$2.22 (0.30%) | $1,108.74 | +$3.31 (0.30%) |
| April to June 2026 | $743.05 | +$0.74 (0.10%) | $1,109.85 | +$1.11 (0.10%) |
| July to September 2026 | $751.97 | +$8.92 (ESDC: 1.2%) | $1,123.17 | +$13.32 (1.20%) |
| October to December 2026 | $762.50 | +$10.53 (ESDC: 1.4%) | $1,138.90 | +$15.73 (1.40%) |
| Full year, October 2025 to October 2026 | +$22.41 (ESDC: 3.0%) | +$33.47 (3.03%) |
Because all OAS program benefits are indexed with the same quarterly percentage, the GIS, the Allowance and the Allowance for the Survivor moved in step with the OAS pension. Over the year the Allowance maximum rose $42.56 a month and the Allowance for the Survivor $50.73. The single GIS income cut-off, the annual income (not counting the OAS pension) at which the single GIS stops completely, went from $22,440 to $23,112.
How much OAS does a full pension pay across 2026?
Adding the four quarters together gives the most a full OAS pensioner could receive over the calendar year. At age 65 to 74 the maximum was $8,999.49 for 2026, and at 75 and over it was $9,899.46. A single senior with the full GIS on top could receive up to $13,441.98 in GIS over the same year. These totals are before tax; the OAS pension is taxable, while the GIS is not. The OAS, CPP and GIS planner estimates the monthly amounts for a given age, residence history and income.
How much did CPP increase in 2026?
CPP works differently from OAS. It is adjusted only once a year, in January, and only when the Consumer Price Index goes up; payments do not decrease if the cost of living goes down. ESDC states that CPP benefits paid in 2025 increased by 2.0% for 2026. It calculated the adjustment from the average Consumer Price Index for November 2024 to October 2025 (163.6) against November 2023 to October 2024 (160.4), a change of 2.00%. For a CPP pension of $900.00 a month in December 2025, that adjustment means about $18.00 more a month from January 2026, or $918.00 in total.
Maximums for new CPP benefits follow a different path. They reflect the CPP enhancement that began in 2019, and ESDC notes that these maximums increase every month for new beneficiaries. The table compares the maximums for benefits starting in January 2025 and January 2026.
How to read this table: Maximum amounts for someone whose benefit starts in January of each year. They are not the amounts most people receive: the average new retirement pension at 65 was $858.34 a month in July 2026. Pensions already being paid rose by the 2.0% annual adjustment instead.
| CPP benefit | Maximum, January 2025 | Maximum, January 2026 |
|---|---|---|
| Retirement pension (starting at 65) | $1,433.00 | $1,507.65 |
| Post-retirement benefit (at 65) | $49.39 | $54.69 |
| Disability pension | $1,673.24 | $1,741.20 |
| Survivor's pension, survivor under 65 | $770.88 | $803.54 |
| Survivor's pension, survivor 65 and older | $859.80 | $904.59 |
Source: Maximum Benefit Amounts and Related Figures — CPP (2025) and OAS (October to December 2025), Table 5; Maximum Benefit Amounts and Related Figures — CPP (2025), Table 1 (maximum new CPP benefits, January 2025); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (January to March 2026), Table 5; Maximum Benefit Amounts and Related Figures — CPP (2026), Table 1 (maximum new CPP benefits, January 2026); Maximum Benefit Amounts and Related Figures — CPP (2026), under Table 1 (annual adjustment of CPP benefits in pay); Canada Pension Plan amounts and the Consumer price index — Canada.ca (January 2026 adjustment of CPP benefits); Canada Pension Plan amounts and the Consumer price index — Canada.ca (CPI periods used for the 2026 CPP adjustment); Canada Pension Plan amounts and the Consumer price index — Canada.ca (no decrease when the CPI falls); Old Age Security — How much you could receive (Canada.ca; timing of the age-75 increase); Maximum Benefit Amounts and Related Figures — January to March 2026, footnote 7 (2026 OAS repayment range, estimate); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (April to June 2026), Table 5; Maximum Benefit Amounts and Related Figures — April to June 2026, footnote 7 (2026 OAS repayment range, estimate); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (July to September 2026), Table 5; Maximum Benefit Amounts and Related Figures — July to September 2026, footnote 7 (2026 OAS repayment range, estimate); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (October to December 2026), Table 5; Maximum Benefit Amounts and Related Figures — October to December 2026, footnote 7 (2026 OAS repayment range); Old Age Security payment amounts — Canada.ca (July to September 2026 increase; Internet Archive copy of the Canada.ca page, captured 2026-09-12); Old Age Security payment amounts — Canada.ca (October to December 2026 increase); Old Age Security payment amounts — Canada.ca (how the quarterly adjustment is calculated); Old Age Security payment amounts — Canada.ca (CPI period used for October to December 2026); Old Age Security payment amounts — Canada.ca (CPI base period for October to December 2026); Old Age Security payment amounts — Canada.ca (75 and over increase). In effect from October 1, 2025 to December 31, 2026; checked October 6, 2026.
The maximum new retirement pension at 65 went up $74.65 a month (5.21%), more than double the 2.0% adjustment for pensions already in pay. The post-retirement benefit maximum rose $5.30 (10.73%) and the disability pension maximum $67.96 (4.06%). The 2026 contribution rates and earnings limits behind the enhanced CPP are on the CPP and EI maximums for 2026 page, and the effect of starting before or after 65 is covered in starting CPP early or late.
What do the new CPP and OAS payments add up to?
CPP and OAS are paid on the same day each month. The maximum CPP pension for someone who started at 65 in January 2026 ($1,507.65) plus the full October to December 2026 OAS pension at 65 to 74 comes to $2,270.15 a month. Using the average new CPP pension at 65 instead ($858.34 in July 2026), the combination is $1,620.84 a month.
How much is the OAS increase at 75?
Since July 2022 the OAS pension has been permanently 10% higher for people aged 75 and over, and the higher rate starts automatically the month after the 75th birthday. The quarterly indexation applies on top, so the gap between the two age groups grows each quarter. For October to December 2026 the 75-and-over maximum is $838.75, which is $76.25 a month more than the 65 to 74 rate. Over the year the 75-and-over maximum rose $24.65 (3.03%), from $814.10. The 10% increase applies to the OAS pension; ESDC’s tables show one GIS maximum for all ages. Eligibility, residence rules and applying are covered in the Old Age Security guide.
Did the OAS clawback threshold change for 2026?
Yes, and it changes every year. The OAS recovery tax, usually called the OAS clawback, takes back part of the pension from people whose net income is above a threshold. The income year and the recovery period are offset: 2025 income sets the deductions from OAS payments from July 2026 to June 2027.
How to read this table: The recovery tax starts at the first figure and the full OAS pension is repaid at the second (65 to 74) or third (75 and over). ESDC says the figures for the current tax year are estimates from January to September and final from October.
| Income year | OAS payments affected | Recovery tax starts at | Full pension repaid, 65 to 74 | Full pension repaid, 75 and over | Status |
|---|---|---|---|---|---|
| 2024 | July 2025 to June 2026 | $90,997 | $148,451 | $154,196 | Final |
| 2025 | July 2026 to June 2027 | $93,454 | $152,062 | $157,923 | Final |
| 2026 | July 2027 to June 2028 | $95,323 | $155,320 | $161,320 | Final |
Source: Old Age Security pension recovery tax — income recovery thresholds table (Canada.ca); Old Age Security pension recovery tax — footnote 1, estimates to September and final from October (Canada.ca); Old Age Security pension recovery tax — non-residents (Canada.ca); Old Age Security pension recovery tax — Return of Income deadline (Canada.ca); Repayment of Old Age Security pension — income line and return lines (Canada.ca); Repayment of Old Age Security pension — worked example (Canada.ca); Repayment of Old Age Security pension — deductions spread over 12 payments (Canada.ca); Repayment of Old Age Security pension — financial hardship (Canada.ca); Line 23500 – Social benefits repayment (CRA); Line 23500 – Social benefits repayment, withheld recovery tax (CRA); Repayment of Old Age Security pension — contact to check or increase the deduction (Canada.ca); Contact the Canada Revenue Agency — individual income tax enquiries line (CRA); Old Age Security pension recovery tax — CRA contact for tax questions (Canada.ca); T1213OAS Request to Reduce Old Age Security Recovery Tax at Source (CRA); Pension income splitting — 50% limit (CRA); Pension income splitting — RRIF and annuity income at 65 or older (CRA); Pension income splitting — OAS and CPP not eligible (CRA); Pension income splitting — effect on OAS repayment (CRA); Line 21000 – Deduction for elected split-pension amount, Form T1032 (CRA); What is a TFSA — TFSA impact on government benefits and credits (CRA). In effect from July 1, 2026; checked October 11, 2026.
The starting threshold rose $2,457 (2.70%) for 2025 income and $1,869 (2.00%) for 2026 income. The upper figures, where the whole pension is repaid, depend on the OAS amounts paid during the year, which is why ESDC revised its 2026 figures each time it published a new quarterly table:
How to read this table: Net world income for 2026 (the income that sets recovery tax deducted from July 2027 to June 2028). The starting threshold stayed fixed while the full-repayment figures moved up with each quarterly OAS increase.
| Printed with | Recovery tax starts at | Full pension repaid, 65 to 74 | Full pension repaid, 75 and over |
|---|---|---|---|
| January to March 2026 table | $95,323 | $154,708 | $160,647 |
| April to June 2026 table | $95,323 | $154,753 | $160,696 |
| July to September 2026 table | $95,323 | $155,109 | $161,088 |
| October to December 2026 table | $95,323 | $155,320 | $161,320 |
Source: Maximum Benefit Amounts and Related Figures — CPP (2025) and OAS (October to December 2025), Table 5; Maximum Benefit Amounts and Related Figures — CPP (2025), Table 1 (maximum new CPP benefits, January 2025); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (January to March 2026), Table 5; Maximum Benefit Amounts and Related Figures — CPP (2026), Table 1 (maximum new CPP benefits, January 2026); Maximum Benefit Amounts and Related Figures — CPP (2026), under Table 1 (annual adjustment of CPP benefits in pay); Canada Pension Plan amounts and the Consumer price index — Canada.ca (January 2026 adjustment of CPP benefits); Canada Pension Plan amounts and the Consumer price index — Canada.ca (CPI periods used for the 2026 CPP adjustment); Canada Pension Plan amounts and the Consumer price index — Canada.ca (no decrease when the CPI falls); Old Age Security — How much you could receive (Canada.ca; timing of the age-75 increase); Maximum Benefit Amounts and Related Figures — January to March 2026, footnote 7 (2026 OAS repayment range, estimate); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (April to June 2026), Table 5; Maximum Benefit Amounts and Related Figures — April to June 2026, footnote 7 (2026 OAS repayment range, estimate); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (July to September 2026), Table 5; Maximum Benefit Amounts and Related Figures — July to September 2026, footnote 7 (2026 OAS repayment range, estimate); Maximum Benefit Amounts and Related Figures — CPP (2026) and OAS (October to December 2026), Table 5; Maximum Benefit Amounts and Related Figures — October to December 2026, footnote 7 (2026 OAS repayment range); Old Age Security payment amounts — Canada.ca (July to September 2026 increase; Internet Archive copy of the Canada.ca page, captured 2026-09-12); Old Age Security payment amounts — Canada.ca (October to December 2026 increase); Old Age Security payment amounts — Canada.ca (how the quarterly adjustment is calculated); Old Age Security payment amounts — Canada.ca (CPI period used for October to December 2026); Old Age Security payment amounts — Canada.ca (CPI base period for October to December 2026); Old Age Security payment amounts — Canada.ca (75 and over increase). In effect from October 1, 2025 to December 31, 2026; checked October 6, 2026.
Between the January and October tables, the 65 to 74 full-repayment figure moved up $612 and the 75-and-over figure $673. As a worked example, 2025 net income of $100,000 leads to a repayment of $981.90, deducted in instalments from the OAS payments of July 2026 to June 2027. The rules, the forms for reducing the deduction and the options for couples are on the OAS clawback page.
When are the new CPP and OAS payments paid?
CPP and OAS use the same payment dates. The October 2026 payment, the first at the new OAS rates, is issued on October 28, 2026. The full calendar for 2025 and 2026 is below; the CPP and OAS payment dates page covers late payments, direct deposit and cheque timing in more detail.
CPP and OAS payment dates, 2025 and 2026
Next payment date
Wednesday, October 28, 2026
This is the date the payment is issued. Deposits can take a few days to arrive and mailed cheques can take longer, so allow a few business days before contacting the government.
| Month | 2026 | 2025 |
|---|---|---|
| January | Wed, January 28 | Wed, January 29 |
| February | Wed, February 25 | Wed, February 26 |
| March | Fri, March 27 | Thu, March 27 |
| April | Tue, April 28 | Mon, April 28 |
| May | Wed, May 27 | Wed, May 28 |
| June | Fri, June 26 | Thu, June 26 |
| July | Wed, July 29 | Tue, July 29 |
| August | Thu, August 27 | Wed, August 27 |
| September | Fri, September 25 | Thu, September 25 |
| October | Wed, October 28 | Wed, October 29 |
| November | Thu, November 26 | Wed, November 26 |
| December | Tue, December 22 | Mon, December 22 |
Source: Benefits payment dates — Canada.ca (Canada Pension Plan, 2026 dates); Old Age Security — Receiving your pension — Canada.ca (payment by cheque); Contact Canada Pension Plan — Canada.ca (phone numbers and hours); Contact Old Age Security — Canada.ca (phone numbers and hours). Dates checked September 29, 2026.
How are the quarterly OAS increases calculated?
ESDC compares the average Consumer Price Index for two three-month periods: the most recent three months for which the CPI is available, and the last three-month period in which a CPI increase led to an OAS increase. For the October to December 2026 amounts, the recent period was May, June and July 2026, with an average CPI of 169.5, and the comparison period was February, March and April 2026, with an average of 167.1. The difference works out to 1.44%, which ESDC applied as a 1.4% increase.
Two consequences follow from this method. First, the amounts never go down: if prices fall, the rates stay where they are until prices rise past the last level that triggered an increase. Second, a small change in the CPI between the two periods produces a small quarterly step, as in April 2026, when the maximum OAS pension at 65 to 74 rose by less than a dollar. GIS and Allowance amounts are also recalculated for each recipient every July based on net income in the previous calendar year, so an individual GIS payment can move more or less than the published maximum. The GIS income limits page explains that income test and provincial top-ups.
What changes next for CPP and OAS?
- January to March 2027 OAS amounts. The next quarterly OAS review is for January 2027. The January to March 2026 table carries a Canada.ca page date of December 30, 2025. This tracker will add the new row when it appears.
- The January 2027 CPP adjustment. CPP benefits in pay increase every January if the Consumer Price Index goes up. ESDC had not published the 2027 figure when this report was checked on October 11, 2026.
- 2027 clawback figures. ESDC says the current-year recovery tax figures are estimates until October and final from October to December, so the 2026 range printed with the October table ($95,323 to $155,320 at 65 to 74) is now ESDC’s final figure for 2026 income. The 2027 income-year row was not yet in ESDC’s table when it was checked on October 11, 2026.
- 2027 payment dates. Canada.ca listed CPP and OAS dates for 2025 and 2026 only when checked on October 11, 2026; the 2027 calendar will be added when it is published.
- July 2027 GIS recalculation. GIS and Allowance payments from July 2027 will be based on 2026 net income.
What this tracker does not show
The amounts here are maximums. A partial OAS pension (fewer than 40 years in Canada after age 18), a deferred start, recovery tax, tax withheld at source and, for GIS, any other income all change what an individual receives. CPP amounts depend on each person’s contribution record and start age. Averages published by ESDC are quoted where they help context, but the tracker does not estimate what any particular household will receive. The exact figure for an individual is in My Service Canada Account, and questions about a specific payment go to Service Canada at 1-800-277-9914.
How to use and reuse the data
The CSV download contains the figures from this report’s tables, the OAS increases ESDC states in words and the CPP and OAS payment dates in one long table: the series, the period, the item, the value, the unit, the calculated change from the previous period where one applies, and the Canada.ca source page for each row. Percentages marked as calculated are YieldMaple’s arithmetic on ESDC’s published amounts; percentages marked as stated are ESDC’s own wording. The file is regenerated from the same verified data files used on this page each time ESDC publishes a new quarter, and it can be reused with attribution under the CC BY 4.0 licence.