CPP Calculator Canada
Estimate your monthly Canada Pension Plan retirement benefit based on your earnings and retirement age.
CPP Calculator
Estimate your Canada Pension Plan retirement benefit
2026 YMPE cap: $74,600
Estimated Monthly CPP
$1,088.22
Starting at age 65
Annual CPP Income
$13,059
vs. Taking at 65
+0.0%
Monthly Benefit by Start Age
* Estimate only. Actual CPP is calculated by Service Canada based on your Statement of Contributions. Check My Account on canada.ca for your personalized estimate.
How CPP Benefits Are Calculated
Your CPP retirement benefit is based on how much you contributed over your working years and when you start collecting. The base age is 65. You can start as early as 60 (reduced by 7.2% per year early) or delay until 70 (increased by 8.4% per year late).
| Start Age | Adjustment | Max Benefit at Age 65 = $1,508/month |
|---|---|---|
| Age 60 | −36% | ~$965/month |
| Age 61 | −28.8% | ~$1,073/month |
| Age 62 | −21.6% | ~$1,182/month |
| Age 63 | −14.4% | ~$1,290/month |
| Age 64 | −7.2% | ~$1,399/month |
| Age 65 | 0% | $1,507.65/month (2026 max) |
| Age 66 | +8.4% | ~$1,635/month |
| Age 67 | +16.8% | ~$1,761/month |
| Age 68 | +25.2% | ~$1,890/month |
| Age 69 | +33.6% | ~$2,015/month |
| Age 70 | +42% | ~$2,141/month |
Frequently Asked Questions
How much CPP will I receive in 2026?
The maximum CPP retirement benefit in 2026 is $1,507.65/month at age 65. The average Canadian receives about $925.35/month. Your actual benefit depends on your contributions and start age.
Should I take CPP at 60 or 65?
Taking CPP at 60 gives you more years of payments but at a reduced rate. If you expect to live past 74, waiting until 65 typically provides more lifetime income. If you expect to live past 82, waiting until 70 is usually best.
Does CPP affect OAS?
No. CPP and OAS (Old Age Security) are separate programs. CPP is based on your contributions; OAS is based on Canadian residency.