OAS Payment Dates 2026: All 12 Deposit Days + the 1.2% Increase Landing July 29

The Full 2026 OAS Payment Date Table

Here is every Old Age Security payment date for 2026, taken directly from the official Service Canada benefits calendar. The pattern is consistent: payments land in the final week of each month, except December, which is paid early ahead of the holidays. These dates also apply to the Guaranteed Income Supplement, the Allowance, and the Allowance for the Survivor — and they are identical to the 2026 CPP payment schedule, so if you receive both pensions, both arrive the same day.

Two scheduling details catch people every year. First, the December payment is not a bonus — it is the regular December deposit moved up, and the stretch from December 22 to the late-January payment is the longest gap between deposits all year, roughly five weeks. Second, the dates above are the dates Service Canada issues the payment. Direct deposit usually posts the same day; a mailed cheque can take several days, and Service Canada asks you to wait 5 to 10 business days before reporting a payment missing.

How Much Lands on Each Date Right Now

OAS amounts are reviewed quarterly, so the deposit amount depends on which quarter the date falls in. For the April to June 2026 quarter — covering the April 28, May 27, and June 26 payments — the maximums are:

The 75-plus figure includes the permanent 10% top-up introduced in July 2022 — it applies automatically the month after your 75th birthday, no application needed. And these are maximums: the full amount requires 40 years of Canadian residence after age 18. With 10 to 39 years, you receive a partial pension at 1/40th of the maximum per year of residence — 25 years of residence pays 25/40ths, about $464 a month at the current 65-to-74 rate. The full mechanics of how residence years, deferral, and the age top-up interact are in our breakdown of OAS payment amounts for 2026.

The July 29 Increase: 1.2% Is Confirmed

This is the number most people checking the July date actually want. Employment and Social Development Canada has confirmed that OAS benefits increase by 1.2% for the July to September 2026 quarter, based on Consumer Price Index growth. Applied to the current maximums, the July 29 deposit rises to:

• Age 65 to 74: from $743.05 to roughly $751.97 per month — about $9 more monthly, or $107 over a full year
• Age 75 and over: from $817.36 to roughly $827.17 per month — about $10 more monthly, or $118 over a full year

A precision note, because this is real money: the 1.2% is official, but the dollar figures above are derived from it. Service Canada publishes the exact July table when the quarter begins, and its rounding can shift the final amounts by a cent or two. Treat $751.97 and $827.17 as tight estimates, not gospel.

The 1.2% also makes July the largest quarterly bump of 2026 so far — the April adjustment was just 0.1%, which added less than a dollar a month. Year over year, OAS is up 2.3% from July 2025 to July 2026. The mechanism: every January, April, July, and October, ESDC compares the average CPI of the most recent three-month period against the last period that triggered an increase. If prices rose, benefits rise by the same percentage. If prices fell, benefits stay flat — by law, OAS never decreases. The July increase reflects CPI growth through the spring 2026 measurement window.

What Else Arrives in the Same Deposit: GIS and the Allowances

If you receive the Guaranteed Income Supplement, it is paid on the same 12 dates, normally combined with your OAS pension in one deposit. The current GIS maximums (April to June 2026 quarter) are $1,109.85 per month for a single, widowed, or divorced senior and $668.08 each where both spouses receive full OAS — so a single senior with no other income collects $743.05 OAS plus $1,109.85 GIS, a combined $1,852.90 per month. The full amounts by marital status are in our GIS payment amounts table for 2026. The Allowance (for 60-to-64-year-old spouses of GIS recipients) tops out at $1,411.13 per month this quarter, and the Allowance for the Survivor at $1,682.15.

July is the date GIS recipients need to circle twice. The 1.2% quarterly increase applies to GIS too — but July 29 is also the annual reset, when Service Canada recalculates your GIS for the July 2026 to June 2027 payment year using the income on your 2025 tax return. A one-time income spike in 2025 — a large RRIF withdrawal, a capital gain on a property sale — can shrink or eliminate your GIS from July onward even though the rate technically went up. The cutoffs that decide it ($22,512 for a single senior, $29,760 combined where both spouses get full OAS) are laid out in the 2026 GIS income thresholds guide. And if your 2025 return is not filed, GIS can stop entirely — filing is the trigger that keeps it flowing.

How OAS Dates Compare With Every Other 2026 Benefit

Seniors juggling multiple government deposits get four different calendars. Here is how they line up in 2026:

The practical takeaway for monthly budgeting: a lower-income Ontario senior can see deposits land around the 10th (Trillium), the 20th-ish (CCB, if raising grandchildren), and the final week (OAS, GIS, and CPP together). The big deposit is the late-month one — and in December it jumps to the 22nd.

The Two Income Numbers That Decide Whether You Keep Your OAS

The payment dates never change with income. The amounts do — through the recovery tax, and the math runs on a delay that surprises people.

For the 2026 tax year, the recovery tax starts at $95,323 of individual net income. Under section 180.2 of the Income Tax Act, every dollar above that line claws back 15 cents of OAS. The repayment is assessed on your tax return and then withheld from your monthly deposits in the following July-to-June cycle — which is why a senior who sold a rental property in 2025 can watch the July 29, 2026 deposit shrink despite the 1.2% rate increase. At roughly $148,000-plus of income, the clawback consumes the entire 65-to-74 pension, which is exactly why the current payment table shows zero OAS above $148,451 (based on 2024 income for this quarter).

The most common self-inflicted clawback trigger is registered withdrawals. RRIF minimums are mandatory and fully taxable, and at higher account balances they can push net income across the $95,323 line all by themselves — the prescribed percentages by age are in the 2026 RRIF minimum withdrawal table. The planning levers: split eligible pension income with a spouse, draw TFSA dollars instead of RRIF dollars for discretionary spending, and time large capital gains for years when other income is low. One more lever for those not yet collecting: each month you defer OAS past 65 adds 0.6% to the payment, to a maximum of 36% at age 70 — and a higher base also gets the full benefit of every future quarterly increase.

The Bottom Line: Circle June 26 and July 29

The 2026 OAS calendar is fixed and shared with CPP: late-month deposits January through November, an early payment on December 22, and a confirmed 1.2% raise starting with the July 29 deposit — worth roughly $9 to $10 more per month at the maximums of $751.97 (65 to 74) and $827.17 (75-plus). The dates are the easy part. The amounts are where the planning lives: your residence years set the base, your 2025 tax return sets your GIS from July onward, and your 2026 income decides how much the recovery tax takes back a year from now. Watch the income lines, not just the calendar.