CPP Calculator

See how the age you start collecting CPP could change your monthly retirement income. Enter your estimated CPP benefit at age 65, choose a start age between 60 and 70, and compare the monthly payments and lifetime break-even points for starting earlier or waiting longer.

Your CPP at 65

Sign in to My Service Canada Account for your own estimate, or start from a benchmark.

Most Canadians receive well below the maximum, which needs roughly 39 years of contributions at the annual ceiling.

65 years, 0 months
60 62 64 66 68 70
Your monthly CPP if you start then
$925
$11,104 per year, before tax
Same as starting at 65

The three common choices

Same contribution history, three different start dates.

Start age Monthly Annual Vs. 65

Where the lines cross

Total CPP received, added up over your lifetime. Starting early wins at first. The question is how long that lasts.

Start at 60 Start at 65 Start at 70

This is an educational estimate, not advice. It uses the figures you enter and the CPP adjustment factors set by legislation. It does not account for your tax situation, your other income, survivor benefits, the post-retirement benefit, or your health and family history. Your actual entitlement is determined by Service Canada.

Figures reflect 2026 amounts: a maximum of $1,507.65 and an average for new beneficiaries of $925.35 per month at age 65. Benefits are indexed annually. Residents of Quebec contribute to the Quebec Pension Plan, which has similar but not identical rules.

Canada Retirement Plans is not registered as a portfolio manager, investment dealer or adviser. Nothing here is a recommendation to buy, sell or hold any security. Speak with a qualified professional about your own circumstances.