Canada Pension Plan Calculator
Estimate your combined monthly CPP (Canada Pension Plan) and OAS (Old Age Security) retirement income, based on your earnings history, contribution years, and the age you plan to start each benefit.
Canada Pension Plan Calculator
How much could you receive from the Canada Pension Plan (CPP) when you retire?
Use this free Canada Pension Plan Calculator to get a quick estimate of your potential monthly CPP retirement pension and estimated Old Age Security (OAS) income.
Enter your age, years of Canadian residence, average annual income, CPP contribution years, and the age you plan to start your pension. The calculator then gives you an estimate you can use to compare different retirement scenarios.
Try different ages and income assumptions to see how your estimated retirement income changes.
This calculator is designed for planning and comparison. Your official CPP amount is based on your actual CPP contribution and earnings record maintained by Service Canada, so your final benefit may differ from this estimate. Canada
How Much CPP Will I Get?
There is no single CPP payment that applies to everyone.
Your CPP retirement pension depends mainly on:
- How much you contributed to CPP
- How long you contributed
- Your earnings during your contributory period
- The age you start receiving CPP
- Certain CPP provisions that can protect periods of low or no earnings
Service Canada says the actual CPP retirement pension depends on factors including your age when you start, your contributions, and your average earnings. Canada
For 2026, the maximum new CPP retirement pension at age 65 is $1,507.65 per month . The maximum is not what most people automatically receive; your actual amount depends on your individual contribution history. Canada
That's why a CPP calculator can be useful: instead of looking at the maximum payment, you can enter your own assumptions and see an estimate based on your situation.
What This CPP Calculator Estimates
This calculator is designed to give you a practical retirement-income estimate using information you already know.
Estimated CPP Retirement Pension
Enter your approximate income and CPP contribution history to estimate your monthly CPP retirement pension.
Estimated OAS Pension
Your OAS estimate considers your years of residence in Canada after age 18 and your selected OAS start age.
CPP Start Age
Compare your estimated CPP income if you start at different ages between 60 and 70.
OAS Start Age
Compare OAS beginning at 65 or later, up to age 70.
Estimated Retirement Income
See how your estimated CPP and OAS amounts can fit together as part of your retirement income.
Optional OAS Recovery Tax Estimate
If your retirement income is high enough, the calculator can also use your expected annual income to help illustrate the potential effect of the OAS recovery tax.
How to Use the Canada Pension Plan Calculator
You can get an estimate in a few simple steps.
1. Enter Your Current Age
Enter your current age so the calculator can understand where you are in your retirement timeline.
2. Enter Your Years in Canada
Enter the number of years you have lived in Canada since age 18.
This information is particularly important for estimating OAS because OAS is based partly on Canadian residence rather than CPP contributions. A full OAS pension generally requires 40 years of residence in Canada after age 18, while a partial pension may be available with fewer years if you meet the applicable residence requirements. Canada
3. Enter Your Average Annual Income
Enter an approximate average annual income from your working years.
For planning purposes, this gives the calculator an estimate of the earnings level used in the calculation.
Keep in mind that Service Canada's official CPP calculation uses your actual contribution and earnings record rather than simply using one average-income number. Canada
4. Enter Your CPP Contribution Years
Enter the approximate number of years you have contributed to CPP.
Generally, longer contribution periods and higher pensionable earnings can result in a larger CPP retirement pension, although the actual calculation includes several provisions and adjustments. Canada
5. Choose Your CPP Start Age
You can start CPP as early as age 60 or delay it until age 70.
The calculator lets you compare the estimated difference.
6. Choose Your OAS Start Age
OAS normally starts at age 65, but you can delay it until age 70 for a higher monthly payment. Canada
7. Add Your Expected Retirement Income
This optional field can help estimate whether the OAS recovery tax may become relevant.
8. Calculate Your Pension
Select Calculate My Pension to see your estimated monthly and annual retirement income.
Why Your CPP Start Age Matters
One of the biggest decisions when planning CPP is when to start receiving it.
You can start your CPP retirement pension as early as age 60 or as late as age 70.
Starting before 65 permanently reduces the monthly pension. Starting after 65 permanently increases it. Canada
| CPP Start Age | Adjustment Compared With 65 |
|---|---|
| 60 | Up to 36% lower |
| 61 | Lower than age 65 |
| 62 | Lower than age 65 |
| 63 | Lower than age 65 |
| 64 | Lower than age 65 |
| 65 | Standard amount |
| 66 | Higher than age 65 |
| 67 | Higher than age 65 |
| 68 | Higher than age 65 |
| 69 | Higher than age 65 |
| 70 | Up to 42% higher |
CPP is reduced by 0.6% for each month before age 65, up to a maximum reduction of 36% at age 60. If you delay CPP after 65, the pension increases by 0.7% per month, up to 42% at age 70. Canada
Simple Example
Suppose a hypothetical CPP pension at age 65 were $1,000 per month.
Using only the official age adjustments:
- Starting at 60 could mean approximately $640/month.
- Starting at 65 would mean $1,000/month.
- Starting at 70 could mean approximately $1,420/month.
This is only an illustration. Your actual CPP amount is determined from your contribution and earnings history.
What Is the Best Age to Start CPP?
There is no single CPP start age that is right for everyone .
Starting earlier provides income sooner but results in a permanently smaller monthly payment.
Waiting longer means you receive no CPP payments during the waiting period, but your eventual monthly CPP pension is higher.
Your decision can depend on factors such as:
- Your health
- Other retirement income
- Employment plans
- Savings and investments
- Household expenses
- Life expectancy
- Tax situation
- Whether you need income immediately
The Government of Canada also recommends considering your health, financial situation, and retirement plans when deciding when to start CPP. Canada
Use the calculator to compare the numbers rather than assuming one age works for everyone.
How Is CPP Calculated?
Your actual CPP retirement pension is more complicated than simply multiplying your salary by your contribution years.
Service Canada considers factors including:
- Your earnings
- Your CPP contributions
- The length of your contributory period
- Your age when you start CPP
- CPP enhancement contributions
- Periods of low or no earnings
- Child-rearing provisions
- Disability provisions
- Other applicable CPP rules Canada
For 2026, the Year's Maximum Pensionable Earnings (YMPE) is $74,600. The CPP enhancement also includes a higher earnings range up to $85,000 through the Year's Additional Maximum Pensionable Earnings (YAMPE). Canada
This is why an online CPP estimate should be treated as a planning estimate, not as a replacement for your official Service Canada calculation.
Why Your Years of Contributions Matter
CPP is based on your contribution history, not simply your age.
If you contributed to CPP for many years and had relatively high pensionable earnings, your estimated CPP may be higher than someone with fewer contribution years or lower earnings.
However, CPP also contains provisions that can reduce the impact of some low- or zero-income periods.
General Drop-Out Provision
For the base CPP, up to 17% of the contributory period with the lowest earnings, up to a maximum of eight years, can be excluded under the general drop-out provision. Canada
Child-Rearing Periods
Certain periods when you had low or no earnings because you were caring for young children may receive special treatment under CPP child-rearing provisions. Canada
Disability Periods
CPP also has provisions that can protect certain periods when someone received a CPP disability pension. Canada
Because these rules are difficult to reproduce with a simple calculator, your estimate may differ from your official CPP benefit estimate.
CPP and OAS Are Not the Same
CPP and OAS are two different Canadian government retirement benefits.
| Feature | CPP | OAS |
|---|---|---|
| Based mainly on | Contributions and earnings | Age, residence and income |
| Earliest start | 60 | 65 |
| Latest standard start | 70 | 70 |
| Contributions required | Yes | No |
| Canadian residence important | No for basic CPP eligibility | Yes |
| Can be affected by income | Indirectly | Yes, through recovery tax |
| Payment increases when delayed | Yes | Yes |
CPP eligibility generally requires that you are at least 60 and have made at least one valid CPP contribution. Canada
OAS eligibility is different. If you live in Canada when your application is approved, you generally need to be at least 65 and have lived in Canada for at least 10 years after age 18. If you live outside Canada when applying, the usual residence requirement is at least 20 years after age 18. Canada
How OAS Is Calculated
Unlike CPP, you do not need to have worked or contributed to CPP to qualify for OAS.
Your OAS amount depends mainly on:
- Your age
- How long you have lived in Canada after age 18
- Your income
A full OAS pension generally requires 40 years of Canadian residence after age 18. If you have fewer than 40 years, you may receive a partial pension based on your years of residence, subject to the applicable eligibility rules. Canada
Example of Partial OAS
If someone has 30 years of qualifying Canadian residence after age 18, the basic residence-based calculation is:
30 ÷ 40 = 75%
So the person could receive approximately 75% of the full OAS amount, before considering other applicable rules.
This is an illustration, not an official benefit calculation.
When Can You Start OAS?
OAS can start at age 65.
You can delay it until age 70. Delaying OAS increases the payment by 0.6% for every month of delay, up to a maximum increase of 36% at age 70. Canada
This gives you another useful comparison to make in the calculator:
CPP start age + OAS start age = different retirement-income scenarios.
2026 CPP and OAS Reference Amounts
Government benefit amounts can change over time, so always check the latest official figures when making a retirement decision.
For 2026, the maximum new CPP retirement pension at age 65 is $1,507.65 per month. Canada
For October–December 2026, the maximum OAS payment is:
- Age 65–74: up to $762.50/month
- Age 75+: up to $838.75/month
These are maximum amounts, not guaranteed payments. Your personal CPP and OAS amounts can be lower depending on your contribution history, income, age, and Canadian residence.
Does OAS Have an Income Clawback?
Yes.
The OAS recovery tax can reduce or eliminate part of your OAS when your income exceeds the applicable threshold.
The threshold depends on the tax year and recovery period. For the 2025 income year, the minimum recovery threshold is $93,454 for the July 2026–June 2027 recovery period. For 2026 income, the published threshold is $95,323 for the July 2027–June 2028 period. Canada
This is why your expected retirement income can be useful when estimating your potential OAS income.
The recovery tax is not simply a flat reduction in OAS for everyone. The repayment is calculated based on the amount of income above the applicable threshold and other rules. Canada
What Income Can Affect the OAS Recovery Tax?
The calculation can consider different types of income, including:
- Employment income
- Business income
- Pension income
- Investment income
- Rental income
- Interest
- Dividends
- Capital gains
- RRSP withdrawals
Because tax rules can be complicated, use the calculator's OAS recovery-tax result as a planning estimate, not as a tax assessment.
Can I Receive CPP and OAS at the Same Time?
Yes.
CPP and OAS are separate government pensions with different eligibility rules. A person who qualifies for both can receive both.
The important difference is that CPP is primarily related to your contribution and earnings history, while OAS is primarily related to age, Canadian residence and income. Canada
That's why combining CPP and OAS in one retirement estimate can give you a more useful picture of your potential government retirement income.
What Does the Canada Pension Plan Calculator Tell You?
The biggest advantage of using a calculator is that you can compare scenarios before making a retirement decision.
For example, you can change:
Scenario A
- CPP at 60
- OAS at 65
Scenario B
- CPP at 65
- OAS at 65
Scenario C
- CPP at 70
- OAS at 70
Then compare the estimated monthly and annual income.
Why Your CPP Calculator Estimate May Differ From Service Canada
An online calculator cannot always reproduce the exact calculation Service Canada performs from your official record.
Your actual CPP calculation can include details such as:
- Individual annual earnings
- Actual CPP contributions
- General drop-out provisions
- Child-rearing provisions
- Disability provisions
- CPP enhancement
- Contribution periods
- Start-age adjustment
- Other applicable provisions
Therefore, think of this calculator as a retirement planning and comparison tool.
For your official personalized estimate, check your Statement of Contributions and your CPP benefit estimate through your My Service Canada Account. Canada
CPP Calculator for People Who Are Still Working
You do not necessarily have to stop working before receiving CPP.
You can continue working while receiving CPP. If you are under 70 and continue contributing, those contributions can create a Post-Retirement Benefit, which can increase your retirement income. Canada
This is useful for people who plan to:
- Work part-time after 60
- Continue working after 65
- Delay full retirement
- Start CPP while earning employment income
The calculator should therefore be viewed as part of a broader retirement plan rather than a calculation of your entire retirement income.
What About Quebec?
If you worked in Quebec, you may be covered by the Québec Pension Plan (QPP) instead of CPP.
The CPP operates throughout Canada except Quebec, where the QPP provides the comparable provincial pension program. CPP and QPP also coordinate in certain situations for people who have contributed to both plans. Canada
If you have worked in both Quebec and another province or territory, your situation may require additional consideration.
Who Should Use This Canada Pension Plan Calculator?
Canadians Planning Retirement
Get a quick estimate of potential CPP and OAS income before retirement.
People Approaching Age 60
Compare what starting CPP earlier could mean for monthly income.
People Approaching Age 65
Estimate CPP and OAS together around the traditional retirement age.
People Considering Delaying CPP
Compare a higher future CPP payment with the income you would give up while waiting.
People Considering Delaying OAS
See how changing your OAS start age can affect estimated monthly income.
New Canadians
Estimate how Canadian residence may affect your potential OAS entitlement.
People Still Working
Explore retirement-income scenarios while considering continued employment and CPP contributions.
What Information Do I Need for a CPP Estimate?
You don't need your entire financial history to get started.
For this calculator, you can begin with:
- Current age
- Years lived in Canada since age 18
- Approximate average annual income
- Years of CPP contributions
- Planned CPP start age
- Planned OAS start age
- Optional expected retirement income
For a more precise official estimate, use your actual CPP contribution record from My Service Canada Account.
CPP Calculator vs. Official Service Canada Estimate
These two tools serve different purposes.
Online CPP Calculator
Useful for:
- Quick estimates
- Retirement planning
- Comparing ages
- Testing different income assumptions
- Understanding how CPP and OAS work
Service Canada Estimate
Useful for:
- Your actual contribution history
- Official benefit information
- Detailed personalized estimates
- Reviewing your Statement of Contributions
The best approach is to use an online calculator for planning and scenario comparison, then use your official Service Canada information when making an important retirement decision. Canada
Plan Your Retirement Income With More Than One Number
CPP and OAS are important parts of retirement income, but they may not be your only sources of money.
Your retirement income may also include:
- Employer pension
- RRSP
- RRIF
- TFSA savings
- Personal investments
- Employment income
- Rental income
- Other savings
The Government of Canada notes that public pensions are intended to provide a basic retirement-income foundation and that many Canadians will also need workplace pensions, personal savings or investments. Canada
Use the calculator to estimate your CPP and OAS first, then consider how those amounts fit into your complete retirement plan.
Frequently Asked Questions
How much CPP will I get?
Your CPP payment depends on your earnings, contributions, contribution period and the age you start your pension. The 2026 maximum new CPP retirement pension at age 65 is $1,507.65 per month, but most people do not automatically receive the maximum. Canada
How much CPP will I get at age 60?
Starting CPP at 60 results in a permanent reduction of up to 36% compared with the age-65 amount because CPP is reduced by 0.6% for each month before age 65. Your actual dollar amount depends on your CPP contribution and earnings history. Canada
How much CPP will I get at age 65?
Age 65 is the standard CPP start age. Your actual payment depends on your contributions and earnings. The maximum new CPP retirement pension at age 65 is $1,507.65 per month in 2026. Canada
How much CPP will I get at age 70?
Waiting until 70 increases CPP by 0.7% for each month after age 65, up to a maximum 42% increase. Your final amount depends on your contribution history. Canada
What is the maximum CPP payment in 2026?
The maximum new CPP retirement pension at age 65 is $1,507.65 per month in 2026. This is a maximum, not a standard payment for every retiree. Canada
Can I receive CPP and OAS together?
Yes. CPP and OAS are separate programs, and someone who qualifies for both can receive both. Their eligibility and payment calculations are different. Canada
What age can I start CPP?
You can start CPP as early as age 60 or delay it until age 70. Starting before 65 reduces the pension, while delaying after 65 increases it. Canada
What age can I start OAS?
OAS can start at age 65. You can delay it until age 70 for a higher monthly payment. Canada
How many years do I need to live in Canada to receive OAS?
If you live in Canada when your OAS application is approved, you generally need at least 10 years of Canadian residence after age 18. A full OAS pension generally requires 40 years of residence after age 18. Canada
Does income affect OAS?
Yes. Higher income can result in an OAS recovery tax, sometimes called the OAS clawback. The applicable threshold depends on the tax year and recovery period. Canada
Is this CPP calculator accurate?
It is designed as a planning estimate. Your official CPP amount can differ because Service Canada uses your actual contribution and earnings record and applies provisions that a simplified calculator may not model completely. Canada
Where can I find my official CPP estimate?
You can view your CPP benefit estimates through your My Service Canada Account and review your Statement of Contributions. Canada
Estimate Your CPP and OAS Today
Your retirement income does not have to be a guessing game.
Enter your age, income, CPP contribution years, Canadian residence and planned pension start ages to see how different assumptions affect your estimated retirement income.
Try the Canada Pension Plan Calculator now and compare your CPP and OAS options.
Use the result as a starting point for retirement planning, then compare it with your official Service Canada information before making an important pension decision.
Official Information
For the most accurate personal CPP estimate, use your official information from Service Canada – CPP benefit information and your Statement of Contributions. Canada
For OAS eligibility and payment information, use Government of Canada – Old Age Security . Canada