CPP Benefits Calculator
Estimate your Canada Pension Plan retirement benefits based on start age and contribution history.
Average Canadian receives about 55-65% of maximum. Check your My Service Canada account for your estimate.
| Start Age | Adjustment | Monthly |
|---|---|---|
| 60 | -36.0% | $578.94 |
| 62 | -21.6% | $709.20 |
| 65 (standard) | +0.0% | $904.59 |
| 67 | +16.8% | $1,056.56 |
| 70 | +42.0% | $1,284.52 |
Monthly CPP at Age 65
$904.59
Annual Benefit
$10,855.08
Age Adjustment
+0.0%
vs. age 65 standard
Maximum at This Age
$1,507.65
If at 100% of max
Max at 65 (reference)
$1,507.65
2026 maximum
Start Age Comparison
Age 60
$578.94
/month
$6,947.25/yr
Age 65
$904.59
/month
$10,855.08/yr
Age 70
$1,284.52
/month
$15,414.21/yr
Break-Even Analysis
Taking CPP at 60 vs 65: you receive payments for 5 extra years, but at a lower rate. The break-even age is typically around 74. If you expect to live past 74, waiting until 65 or later generally pays more overall.
Frequently Asked Questions
When can I start CPP?
How much is CPP reduced if I start early?
How is the benefit amount determined?
What is the maximum CPP payment in 2026?
Official Data Sources
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Built and reviewed by Konstantin Iakovlev · Data from CRA, CMHC, Bank of Canada · MethodologyDisclaimer: This calculator provides estimates based on publicly available data from CRA and other government sources. It does not constitute financial advice. Consult a qualified advisor for decisions about your specific situation.