CPP, OAS and GIS in Canada: 2026 amounts
Quick summary
In 2026 the maximum CPP retirement pension at 65 is $1,507.65 a month and OAS is up to $762.50 a month at ages 65 to 74 (October to December 2026). Estimate yours with theCPP retirement calculator.
Checked November 3, 2026. Main source: Government of Canada: Maximum benefit amounts, CPP (2026) and OAS (October to December 2026). See all 1 source.
Canada Pension Plan (CPP)
| Item | 2026 figure |
|---|---|
| Maximum retirement pension at 65 | $1,507.65 a month |
| Maximum disability pension | $1,741.20 a month |
| Maximum survivor's pension | $904.59 a month at 65 and over; $803.54 under 65 |
| Year's maximum pensionable earnings | $74,600 |
| Basic exemption | $3,500 |
| Contribution rate, employee and employer each | 5.95% (plus 4.00% on earnings from $74,600 to $85,000) |
| Contribution rate, self-employed | 11.90% (plus 8.00% on the higher slice) |
Most people get less than the maximum, because the amount depends on how long you contributed and how much you earned.
Old Age Security (OAS)
OAS is adjusted every quarter. The OAS repayment (clawback) applies when net world income is above about $95,323 for ages 65 to 74 in 2026.
| Age | Maximum monthly OAS, October to December 2026 |
|---|---|
| 65 to 74 | $762.50 |
| 75 and over | $838.75 |
Guaranteed Income Supplement (GIS) and Allowance
GIS is income-tested, so it falls as other income rises. These are maximums, not typical amounts.
| Situation | Maximum monthly amount |
|---|---|
| Single person receiving OAS (GIS) | $1,138.90 |
| Spouse of an OAS pensioner (GIS) | $685.56 |
| Allowance | $1,448.06 |
| Allowance for the Survivor | $1,726.18 |
Questions people ask
What is the maximum CPP retirement pension in 2026?
$1,507.65 a month at age 65, according to the Government of Canada.
What is the maximum OAS in late 2026?
For October to December 2026 it is $762.50 a month at ages 65 to 74 and $838.75 at 75 and over.
When does the OAS clawback start?
For ages 65 to 74, repayment applies when net world income is above $95,323 in 2026.