Natalia
You may have seen headlines about “$2,300 OAS + $1,300 GIS” for September 2025. That figure doesn’t match the official September quarter rates.
For July–September 2025, the maximum monthly OAS is $734.95 (age 65–74) or $808.45 (age 75+).
The maximum GIS for a single senior with very low income is $1,097.75.
That means the highest combined OAS+GIS a single senior can receive is roughly $1,832.70 (65–74) or $1,906.20 (75+), not $3,600+.
September 2025 Deposit Date
Old Age Security (OAS) and Guaranteed Income Supplement (GIS) are scheduled to be deposited on Thursday, September 25, 2025 (direct deposit or mailed cheque).
Who Qualifies For OAS In September
To receive OAS you generally must be 65+, be a Canadian citizen or legal resident, and meet minimum residency rules (typically 10 years residence in Canada after age 18 if you live in Canada; 20 years if you live abroad).
OAS is income-tested for clawback at higher incomes, but most seniors under the income thresholds receive the full monthly amount.
Who Qualifies For GIS In September
GIS is a non-taxable, income-tested top-up paid to low-income OAS recipients.
For July–September 2025, you can receive the maximum GIS if your 2024 net income is below $22,272 (single).
For couples, combined income limits apply: $29,424 (spouse/common-law partner receives full OAS), $41,184 (spouse receives the Allowance), or $53,376 (spouse does not receive OAS/Allowance).
Amounts vary with income and marital status.
Maximum Monthly Amounts (July–September 2025)
| Program | Who Can Get Max | 2025 Income Limit | Max Monthly (Jul–Sep 2025) | Notes |
|---|---|---|---|---|
| OAS (65–74) | Age 65–74 | Income below clawback threshold | $734.95 | Amount indexed quarterly by CPI. |
| OAS (75+) | Age 75+ | Income below clawback threshold | $808.45 | Includes permanent 10% boost at 75. |
| GIS (Single) | Single/widowed/divorced | <$22,272 | $1,097.75 | Paid only if you receive OAS. |
| GIS (Spouse gets full OAS) | Couple | <$29,424 (combined) | $660.78 | Amount varies with combined income. |
| GIS (Spouse gets Allowance) | Couple | <$41,184 (combined) | $660.78 | For households where spouse receives Allowance. |
| GIS (Spouse no OAS/Allowance) | Couple | <$53,376 (combined) | $1,097.75 | Higher GIS if spouse has no OAS/Allowance. |
Example totals for a single senior with no other income:
- Age 65–74: OAS $734.95 + GIS $1,097.75 = $1,832.70/month.
- Age 75+: OAS $808.45 + GIS $1,097.75 = $1,906.20/month.
How Payments Are Indexed
OAS and GIS amounts are indexed quarterly (January–March, April–June, July–September, October–December) to reflect changes in inflation.
The figures above are for July–September 2025; new amounts may apply from October 2025. Always check the latest quarter if your income or circumstances change.
Key Takeaways
- The official September 25, 2025 payment date applies to OAS and GIS.
- There is no official $2,300 OAS or $1,300 GIS monthly payment; the actual maximums for July–September 2025 are listed above.
- Your income (2024 tax year) and marital status determine your exact GIS amount; OAS varies by age and is subject to a high-income recovery tax.
For September 2025, focus on the official numbers: OAS pays up to $734.95 (65–74) or $808.45 (75+), and GIS pays up to $1,097.75 for eligible single seniors with very low income—deposited on September 25, 2025.
Review your 2024 income and marital status to estimate your GIS, and remember that amounts are indexed quarterly, so they can change again in October 2025.
Staying aligned with the official thresholds ensures you plan your cash flow accurately and avoid misinformation.