Great news for low-income Canadian seniors! The Guaranteed Income Supplement (GIS) is getting a major update in July 2025, with qualified recipients set to receive a monthly payment of $1,395.73.
This tax-free benefit, designed to help seniors who need financial support, is part of Canada’s ongoing mission to fight poverty among its aging population.
The GIS Allowance offers essential monthly income to those who qualify, particularly spouses or survivors of Old Age Security (OAS) recipients. With inflation and the cost of living climbing, this increase couldn’t have come at a better time.
What Is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement is a non-taxable benefit provided to eligible low-income seniors who already receive Old Age Security (OAS). GIS payments are adjusted quarterly to keep pace with inflation, based on the Consumer Price Index.
The GIS Allowance is specifically designed for:
- Spouses or common-law partners of OAS recipients, or
- Survivors aged between 60 to 64 years who have not yet reached the full OAS pension age
July 2025 GIS Payment Details
For July 2025, the federal government has confirmed that eligible individuals will receive $1,395.73. The payment will be issued by the Canada Revenue Agency (CRA) via direct deposit or cheque on:
July 29, 2025
This GIS payment is available to those whose combined household income for 2024 is below $41,184.
GIS Allowance at a Glance
| Benefit Feature | Details |
|---|---|
| Benefit Type | Guaranteed Income Supplement (GIS) Allowance |
| Monthly Payment (July 2025) | $1,395.73 |
| Eligibility Age | 60 to 64 years |
| Annual Income Limit (2024) | Below $41,184 |
| CRA Payment Date | July 29, 2025 |
| Residency Requirement | Legal Canadian resident with 10+ years in Canada |
Who Is Eligible for the July 2025 GIS Payment?
To receive the updated $1,395.73 GIS Allowance, applicants must meet the following eligibility criteria:
- Be aged 60 to 64
- Be the spouse, partner, or survivor of someone eligible for OAS
- Be a legal resident or citizen of Canada
- Have lived in Canada for at least 10 years since age 18
- Have a combined income (with partner, if applicable) of less than $41,184 annually
This benefit is income-tested, meaning the amount you receive is determined by your household income from the previous tax year.
CRA GIS Payment Schedule for 2025
The CRA issues GIS payments monthly, in line with OAS benefit payments. Here are the confirmed GIS payment dates for 2025:
| Month | GIS Payment Date |
|---|---|
| January 2025 | January 29, 2025 |
| February 2025 | February 26, 2025 |
| March 2025 | March 27, 2025 |
| April 2025 | April 28, 2025 |
| May 2025 | May 28, 2025 |
| June 2025 | June 26, 2025 |
| July 2025 | July 29, 2025 |
| August 2025 | August 27, 2025 |
| September 2025 | September 25, 2025 |
| October 2025 | October 29, 2025 |
| November 2025 | November 26, 2025 |
| December 2025 | December 22, 2025 |
Why the GIS Allowance Matters
The GIS Allowance isn’t just about income—it’s about security and dignity. It provides seniors and their partners with a stable source of financial support for essentials like:
- Housing and rent
- Food and groceries
- Prescription medications
- Transportation and home utilities
The best part? If the cost of living rises, GIS payments increase accordingly. However, even if prices fall, the payment amount never goes down—a unique protection built into the system.
The upcoming $1,395.73 GIS payment in July 2025 reflects Canada’s commitment to supporting seniors and vulnerable households. This tax-free monthly benefit is a lifeline for many, helping cover essential living costs and maintaining a decent quality of life in retirement.
If you or someone you know may qualify, make sure your information is up to date with the CRA and Service Canada. With rising inflation, every dollar counts—and this July 29 payment could make a real difference in your financial wellbeing.
FAQs
When will the $1,395.73 GIS payment be deposited in July 2025?
The payment will be deposited or mailed on July 29, 2025. If you’re registered for direct deposit, it should appear in your account on the same day.
How do I apply for the GIS Allowance?
If you’re eligible for OAS, you can apply for GIS at the same time. You can do this online via My Service Canada Account or by filling out a paper application.
What if my income increases during the year?
GIS payments are based on your previous year’s income. If your current income increases, it may affect future payments but not retroactively.