Guaranteed Annual Income System (GAINS)

OntarioSeniorsChecked October 2, 2026

GAINS is a monthly Ontario top-up for low-income seniors who already get OAS and GIS. It is calculated automatically from your tax return.

How much

Up to $92 per month for the July 2026 to June 2027 benefit year, depending on age, marital status and private income.

When it's paid

Monthly, starting in July of each benefit year.

Who qualifies

You are 65 or older
You receive Old Age Security and the Guaranteed Income Supplement
You have lived in Canada for at least 10 years
You lived in Ontario for the last 12 months or 20 years total since age 18
Your private income is no more than $4,416 (single) or $8,832 (couple)

How to apply

Make sure you are receiving OAS and GIS
File your tax return every year by April 30, even with no income
GAINS is assessed automatically; no separate application

What to have ready

None for GAINS itself; keep OAS/GIS and tax records up to date

Common mistakes to avoid

Not filing a tax return
Not applying for GIS, which GAINS depends on

Official sources

Ontario.ca: GAINS ↗

Last checked against these pages on October 2, 2026.

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BenefitCanada is independent and not affiliated with any government. This guide summarizes official sources in plain language; rules and amounts change, so always confirm on the official page before applying.