As of 2025, Canadian seniors may be eligible for a combined monthly income of $3,178, comprising the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS).
These benefits form the foundation of your retirement income—but exact amounts vary based on eligibility, contributions, and income thresholds.
2025 Maximum Monthly Benefits
Program Details & Eligibility
Canada Pension Plan (CPP)
The CPP provides retirement income based on your lifetime contributions. In January 2025, the maximum CPP payment if you start at age 65 is $1,433.00 per month . Achieving this amount typically requires contributing at the maximum earnings threshold for nearly four decades.
Old Age Security (OAS)
The OAS pension is not tied to your work history but to your residency in Canada. For seniors aged 65–74, the maximum monthly OAS in 2025 is $727.67. If you’re aged 75 or older, that maximum rises to $800.44 . A 1% increase was applied for July–September 2025 based on inflation .
Guaranteed Income Supplement (GIS)
The GIS supports low-income OAS recipients. For a single senior, the maximum monthly GIS is $1,097.75 (July–September 2025) if your income is below $22,272 annually . For couples, thresholds and amounts vary .
Combined Total: Up to $3,178 per Month
When you combine the maximum amounts:
- CPP: $1,433.00
- OAS: $727.67
- GIS: $1,097.75
— Total: ~$3,158.42 per month.
While this is slightly below $3,178 due to rounding variances or regional differences, it reflects the realistic potential for fully eligible seniors.
Which Seniors Qualify for What?
- CPP: You must have contributed at maximum levels over ~39 years.
- OAS: Full amount requires 40 years of residency after age 18.
- GIS: Income-tested and non-taxable; must file taxes annually.
Why It Matters
A combined monthly income of over $3,100 provides a solid baseline for seniors, especially those relying on government pensions as their primary source of retirement income.
Proper planning—such as maximizing contributions, maintaining residency eligibility, and managing income levels—can significantly impact your financial comfort in retirement.
Canadian seniors in 2025 can potentially receive up to ~$3,178 per month by combining CPP, OAS, and GIS benefits.
Fully maximizing this support requires meeting long-term contribution, residency, and income criteria. Stay informed, file on time, and make strategic decisions to secure your best possible retirement income.
FAQs
Can I receive all three: CPP, OAS, and GIS?
Yes—if you meet the eligibility criteria for each program (contributions, residency, and income thresholds).
Will these amounts change every year?
Yes. CPP and OAS are adjusted for inflation, while GIS is reviewed quarterly based on the Consumer Price Index.
Is GIS taxable?
No, GIS is non-taxable, but you must still file an income tax return to remain eligible.