With everyday expenses rising faster than ever, the federal government is stepping up support for low-income seniors. Effective July 2025, the Guaranteed Income Supplement (GIS)—a key non‑taxable benefit for older Canadians—is receiving its quarterly inflation adjustment. Many seniors will see notably higher monthly payouts as a result.
This isn’t a new cash bonus—it’s a targeted cost-of-living adjustment. Still, for many households relying on this income, it represents real, welcome relief. Here’s everything you need to know.
What Is GIS?
The Guaranteed Income Supplement is a tax-free monthly benefit for seniors aged 65 and over who already receive Old Age Security (OAS) and whose income falls below specific thresholds. It’s designed to safeguard modest retirement incomes, especially for those without substantial savings or pension income.
The July 2025 Increase: What to Expect
According to official government figures, from July to September 2025, the maximum monthly GIS rates have been adjusted upward to reflect inflation (measured by the Consumer Price Index) ([Government of Canada][1], [vridhischoolofarts.com][2]). Here’s the breakdown:
- Single, widowed, or divorced seniors with net income under \$22272 can now receive up to \$1097.75/month ([Government of Canada][1]).
- Couples, where both receive full OAS and have combined income below \$29424, can get up to \$660.78 each per month ([Government of Canada][1]).
- If only one spouse qualifies, and combined income is under \$53376, the eligible partner may receive up to \$1097.75/month ([Government of Canada][1]).
Why This Rise Matters
The quarterly cost-of-living increase ensures that GIS continues to maintain its purchasing power despite inflation. For many lower-income seniors, that adjustment—though incremental—can ease pressure on essentials like groceries, utilities, and rent.
Who Qualifies?
To be eligible for the boosted rate:
- You must be 65 or older.
- You must receive OAS.
- Your net income (alone or combined with spouse) must fall below the thresholds listed above.
- You must have filed your 2024 tax return—GIS eligibility is recalculated each July based on the prior year’s income ([Wealthsimple][3], [Ontario][4], [Spring Financial][5], [Government of Canada][6]).
Remember: GIS is adjusted automatically, so no action is needed if you already get it and your tax records are current ([Wealthsimple][3]).
When Will You See the New Amount?
GIS payouts are scheduled for the last business day of each month. For July 2025, payments will arrive on July 29 ([Spring Financial][5]).
As long as your details are up to date, your bank account or mailed cheque should reflect the new amount seamlessly.
Why It’s More Than Just Numbers
Though the adjustment may seem modest, it’s meaningful:
- Supports independent living for seniors without private savings.
- Reduces reliance on family or food banks.
- Prevents erosion of benefits amid rising costs.
For many, it’s a step toward real financial stability in retirement.
5 SEO-Optimized FAQs
Q1: What is the new maximum GIS amount starting July 2025?
A: Singles can receive up to \$1097.75 per month, and couples up to \$660.78 each, provided income thresholds are met ([Government of Canada][6]).
Q2: Do I need to apply to get the increased GIS amount?
A: No. The increase is applied automatically if you’re already receiving GIS and your tax filings are up to date ([Wealthsimple][3]).
Q3: When will the new GIS payments start?
A: Payments reflecting the new amount will begin July 29, 2025 ([Spring Financial][5]).
Q4: What income limits determine GIS eligibility?
A: For singles: under \$22272 annually. For couples (both on OAS): under \$29424 combined income. Other thresholds apply depending on spouses’ eligibility ([Government of Canada][1]).
Q5: How often are GIS payments adjusted?
A: Quarterly—each July, October, January, and April—to account for changes in the Consumer Price Index ([Government of Canada][1], [Spring Financial][5]).
