In 2025, many Canadian seniors have heard about a $3,716 monthly pension. While no single program offers this amount, it represents the combined maximum a senior could receive from Old Age Security (OAS), Canada Pension Plan (CPP), and the Guaranteed Income Supplement (GIS) when qualifying for the highest rates.
Here’s how the numbers add up, along with eligibility rules, payment dates, and tips to maximize your retirement income.
$3,716 Monthly Pension Breakdown
This amount comes from three separate federal programs:
| Program | Maximum Monthly Amount (2025) | Eligibility Highlights |
|---|---|---|
| OAS | $727.67 (ages 65–74) / $800.44 (75+) | Age 65+, Canadian residency requirement |
| CPP | Up to $1,364.60 | Based on lifetime contributions |
| GIS | Up to $1,086.88 | For low-income OAS recipients |
| Total | Up to $3,716 | If eligible for all maximum rates |
Old Age Security (OAS)
OAS is a universal pension for Canadians aged 65 or older who have lived in Canada for at least 10 years after turning 18.
- Monthly Payment (2025): $727.67 (65–74) / $800.44 (75+)
- Clawback: Income over $86,912 reduces benefits
- Deferral Option: Delaying up to age 70 increases payments by 0.6% per month
Canada Pension Plan (CPP)
CPP is based on work history and contributions.
- Average Payment (2025): $811.21 per month
- Maximum Payment: $1,364.60 at age 65 with full contributions
- Early Access: Available from age 60 with reduced payments
- Delay Advantage: Waiting until 70 can increase payments by up to 42%
Guaranteed Income Supplement (GIS)
GIS is a tax-free monthly benefit for low-income seniors receiving OAS.
- Maximum Amount (2025): $1,086.88 for single seniors
- Payment decreases as income increases
- Annual tax filing is required to maintain eligibility
2025 Payment Dates for OAS, CPP, and GIS
Payments are made on the last three business days of each month:
| Month | Payment Date |
|---|---|
| January | Jan 29 |
| February | Feb 26 |
| March | Mar 27 |
| April | Apr 28 |
| May | May 28 |
| June | Jun 26 |
| July | Jul 29 |
| August | Aug 27 |
| September | Sep 25 |
| October | Oct 29 |
| November | Nov 26 |
| December | Dec 22 |
Eligibility Summary
- OAS: Age 65+, 10+ years residency in Canada after age 18
- CPP: Must have made valid contributions during working years
- GIS: Low income and receiving OAS
How to Maximize Your Pension Income
- Delay CPP and OAS to boost monthly amounts
- Keep income below the OAS clawback threshold
- File taxes every year to maintain GIS eligibility
- Use official government pension calculators for planning
While there’s no single $3,716 pension in Canada, seniors can reach this figure in 2025 by maximizing OAS, CPP, and GIS benefits. Knowing the rules, payment schedules, and optimization strategies can help retirees secure the highest possible income.
FAQs
Is there a single $3,716 pension in Canada?
No, it’s the combined total of OAS, CPP, and GIS.
What is the OAS maximum payment in 2025?
$727.67 for ages 65–74, $800.44 for 75+.
How much is the maximum CPP in 2025?
$1,364.60 per month at age 65.
When are OAS, CPP, and GIS paid?
On the last 3 business days of each month.
Do I need to apply for GIS every year?
No, but you must file taxes annually.
