Retiring on a low income

English booklet: APRIL 2023

Cheat Sheet Update2023Apr

Low Income Retirement Planning -January 2023

Cheat sheet  Update 2023Jan

Low income retirement planning October 2022 2022

Low income retirement planning 2022Low Income Retirement Planning Booklet, July 2022

  • Low income retirement planning: Four things to think about
  • Maximizing GIS: A background paper on retirement financial planning for Canadians with very low incomes
  • Determining OAS and GIS eligibility for people who come to Canada as adults

Cheat sheet update, October 2022

Planification de la retraite à faible revenu: Maximizer le SRG et vérification do l’admissibilité à la PSV et au SRG pour les adultes qui viennent résider au Canada, Avril 2022

Toronto Public Library presentation, February 15, 2022

To learn more about retiring on a low income, join John at a workshop. To request a workshop in your community, contact John.

Tip: RRSP GIS Calculator tells you how much extra you’ll get if you cash out your RRSP before age 65, a key strategy for low income retirement and GIS access

2021 Media

Letter to the Prime Minister on GIS

Presentation YouTube for West Scarborough Legal Services: Low income Retirement

2020 Media

John speaks with Jason Pereira, March 2020 (transcript)

2019 Media

Retiring on a Low Income 2019 presentation includes new OAS GIS application form

Don’t tick the box! After 7 years of telling people to tick the box to get GIS – Now you Don’t tick the Box!

Interview with Preet Banerjee, March 7, 2019
Listen to it on Mostly Money or right here:




Simple Traditional Chinese

Workshops – 2014-2019

2019 Workshops in Toronto public libraries:

  • Sept. 16 – Humber Bay
  • Sept. 25 – Don Mills
  • Sept. 30 – Northern District  (set originally for Sept. 10)
  • Oct. 2 – Woodside Square
  • Oct. 10 – Albion
  • Oct. 21 – Malvern

2018 Workshops in Toronto public libraries: flyer

2017 Dates:

2014 Toolkit & Related Publications

Planning for Retirement on a Low IncomeResources for Canadians on planning for retirement on a low income. Some examples relate to Ontario only.

Preet Banerjee tells it like it is for low income retirees: from 5:36 to 6:41 – worth a listen! Jan 13, 2015

Archived updates

Update July 2022

Update Apr-June 2022

Update 2020: Valid until next change

Update – July 2019

Update April 2019: Valid from April 2019 until next change

Update January 2019: Valid from January 2019 until next change

Update October 2018: Valid from October 2018 until next change

Update April 2018: Valid from April 2018 until next change

Update January 2018: Valid from January 2018 until next change

Update July 2017: Valid from July 2017 until the next change

Update October 2016: Valid from October 2016 until the next change

Update July 2016: Valid from July 2016 until the next change

Update January 2016

Detailed Changes to the 3 booklets and partial New OAS-GIS-Calculation-July 2014 (1)

Update2015fall1Valid from October 2015

Update2015summerValid from July 2015. Worth a look – many changes!

Update2014fall -Valid From October 2014 until next change

Update2014summerfall – Valid from July 2014 until September 2014

Update 2014 winter/springValid from January 2014 to June 2014 (No changes in April 2014)

Update 2013 fall – Valid from October 2013- December 2013

Numbers for summer 2013Valid until September 30, 2013

Numbers for spring 2013 Valid until June 30, 2013

Related Publications

Globe & Mail’s Rob Carrick 3 interviews on seniors in poverty, RRSP’s, and TFSA’s

BC Centre for Elder Advocacy and Support

Media and Events

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