CPP at 60, 65 or 70: Calculator

See your CPP retirement pension at every start age from 60 to 70, when waiting pays off, and how much you’d collect in total by 80, 85 and 90.

The amount Service Canada estimates for you if you start at 65. See “Where to find this number” just below.

Where to find this number
  1. Sign in to My Service Canada Account on canada.ca (you can register there if you don’t have an account yet).
  2. Open the Canada Pension Plan section and choose View my benefit estimates.
  3. Use the estimate for starting at age 65.

No account? You can ask Service Canada for your Statement of Contributions, which shows an estimate too.

For example, an age you think is realistic for you or your family. Leave it blank to see ages 80, 85 and 90 only.

Your estimate

Fill in the boxes above and your result appears here straight away.

Show how this was calculated

Things people weigh up

This is information, not advice. The best age depends on your own situation, and there’s no right answer for everyone.

  • Health and family history. Starting later only pays off if you collect for long enough to pass the break-even age.
  • Other income. If you need the money now, or have little else to live on before 65, an earlier start can make sense. If you have other income to bridge the gap, a later start gives a bigger pension for life. CPP is indexed to inflation either way.
  • The Guaranteed Income Supplement. CPP counts as income for the GIS. A bigger CPP after 65 can lower your GIS, and on a low income some of the gain from waiting may be lost. Taking CPP early also means CPP income in the years you may later need GIS. It’s worth checking both with the GIS calculator.
  • A partner. If one of you dies, the CPP survivor’s pension is combined with the surviving partner’s own CPP, and the total is capped at the maximum retirement pension. A large pension of your own can leave less room for a survivor’s pension.
  • Working before 65. Your estimate assumes you keep contributing until 65. If you stop working earlier, your pension may be lower than the estimate.

Nothing you enter leaves your device. Your answers are saved in this browser only, so they’re here if you come back.

Not a government site. This is an estimate, not a decision. Always confirm with Service Canada.