CPP / OAS Estimator
Canada · 2026 rulesEstimate your Canada Pension Plan (CPP) and Old Age Security (OAS) benefits for retirement planning. Enter income and start ages (CPP 60–70, OAS 65–70) to see estimated amounts; we use 2026 CRA/Service Canada rules and show OAS clawback when relevant. For planning only—actual benefits depend on your contribution history; check Service Canada for your statement.
CPP by start age
| Age | Monthly | Difference |
|---|---|---|
| 60 | $725.74 | -$408.23/mo |
| 61 | $807.39 | -$326.58/mo |
| 62 | $889.03 | -$244.94/mo |
| 63 | $970.68 | -$163.29/mo |
| 64 | $1,052.33 | -$81.64/mo |
| Selected 65 | $1,133.97 | — |
| 66 | $1,229.22 | +$95.25/mo |
| 67 | $1,324.48 | +$190.51/mo |
| 68 | $1,419.73 | +$285.76/mo |
| 69 | $1,514.99 | +$381.02/mo |
| 70 | $1,610.24 | +$476.27/mo |
OAS by start age
| Age | Monthly | Difference |
|---|---|---|
| Selected 65 | $742.31 | — |
| 66 | $795.76 | +$53.45/mo |
| 67 | $849.20 | +$106.89/mo |
| 68 | $902.65 | +$160.34/mo |
| 69 | $956.10 | +$213.79/mo |
| 70 | $1,009.54 | +$267.23/mo |
Click any row to update your selection. Estimates only — verify with Service Canada.
When does waiting pay off?
If you see a higher amount by waiting (e.g. +$190/mo at 67), the breakeven age is when you’ve received the same total CPP as if you’d started earlier. After that, the higher monthly amount from waiting wins.
Wait until 65 instead of 60 → break even at age 73.9.
Wait until 70 instead of 65 → break even at age 81.9.
Estimates only. Actual CPP depends on your contribution history; get your statement from Service Canada. OAS uses 2026 rules and residence. This is not financial or tax advice.
How it works
About this calculator
This tool estimates your CPP and OAS benefits for Canadian retirement planning. CPP can start between 60 and 70; OAS between 65 and 70. We use your income as a proxy for contributions and apply 2026 benefit amounts and thresholds, including OAS clawback when income exceeds the threshold.
Use it to compare start ages, see the effect of income on OAS clawback, or to plug estimates into a broader retirement plan. Actual CPP depends on your contribution history—get your statement from Service Canada. Results are for illustration only and do not replace official statements or advice.
How this is calculated
CPP (Canada Pension Plan)
CPP can start between 60 and 70. Starting before 65 reduces the benefit; starting after 65 increases it. We estimate your benefit from your income (as a proxy for contributions) or from an optional CPP ratio if you have a Service Canada statement. The maximum at 65 uses the Year's Maximum Pensionable Earnings (YMPE); we also include a small enhancement for income above YMPE (CPP2). Constants follow 2026 CRA/Service Canada values.
OAS (Old Age Security)
OAS can start between 65 and 70. Deferring increases the benefit. Full OAS requires 40 years of residence in Canada after 18; less gives a proportional amount. OAS clawback: when your taxable income exceeds a threshold (e.g. $95,353 for 2026), 15% of income above the threshold is clawed back until OAS is fully recovered. We use your entered income (e.g. CPP + other retirement income) to estimate the clawback.
Assumptions
We use 2026 benefit amounts and thresholds. CPP is an estimate unless you provide a ratio from your statement. Results are for illustration only.
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