No sign-in2026 ratesEvery step shown

Your CPP, calculated
in the open.

Estimate your Canada Pension Plan at any start age from 60 to 70 — then drag the longevity marker and watch the case for deferring flip. Every drop-out, every formula, on the page.

Your CPP at age 65
$868.67
a month · $10,424 a year, in today's dollars
58% of maximum$8 vs average
Start the pension atage 65
60 · −36%6570 · +42%

About you

Earnings history

Drag to reshape, or focus a bar and use ↑ ↓41 years
ceiling
1985at the ceiling2025
Preset: around average

Explore

$5566061626364$8696566676869$1,23470
Monthly pension by starting age, in today's dollars. Click a bar to select it.
Years after 2026 use a projected wage-growth assumption for the earnings ceiling.

What this gets right

The drop-out order

Child-rearing first, then the general 17% on the months that survive it. Applying one instead of the other understates the pension.

Months after 65

Not working between 65 and 70 never reduces your pension. A calculator that simply extends the period will tell you otherwise.

Enhanced CPP

Contributions from 2019 accrue an extra benefit, phased in through 2023, plus the second ceiling from 2024.

Constant dollars

Comparing 60 against 70 in their own nominal dollars quietly flatters deferral by a decade of wage growth.

Checked against the published figures

A career at the earnings ceiling from 18 to 65 produces an estimate within 1% of the maximum published for 2026. A career at about 58% of the ceiling lands near the average actually paid. Those checks run automatically against every change to the calculator.

Maximum at 65
$1,507.65
Average paid at 65
$877.01

CPP is only one input

When you draw down an RRSP, when OAS starts, and which account you spend first together decide how much tax you pay across a whole retirement. An Ontario retiree inside the OAS recovery band can face an effective marginal rate near 60% without ever being told.

Open the retirement planner

Common questions

Why does Service Canada make me log in to see my CPP estimate?

The official estimate is generated from your actual Statement of Contributions, which is personal information, so it sits behind a My Service Canada Account login. There is a public Canadian Retirement Income Calculator, but it takes around thirty minutes and returns rough figures. This tool takes the other approach: you supply the earnings, and every step of the arithmetic is shown so you can check it.

How much CPP will I actually get?

The maximum monthly retirement pension at 65 in 2026 is $1,507.65, but the average actually paid to new recipients at 65 is $877.01. Most people receive well under the maximum, because the maximum requires earning at or above the ceiling for essentially your whole working life.

Is it better to take CPP at 60 or 70?

Taking it at 60 reduces the pension by 36%; waiting until 70 increases it by 42%. In pure cumulative dollars, ignoring investment returns, starting at 65 rather than 70 breaks even in the early eighties. If you expect to live past that, or you want longevity insurance, deferring pays. If you need the income, or have reason to expect a shorter life, taking it earlier can be the better decision.

What is the child-rearing provision worth?

It removes months from your contributory period where you had a child under seven and your earnings were low, which raises the average your pension is based on. For a parent who spent several years out of the workforce it is frequently worth well over a hundred dollars a month for life. It is not applied automatically — it has to be claimed.

What is the general drop-out?

CPP automatically removes your lowest-earning 17% of months before averaging. Over a full career from 18 to 65 that is roughly eight years of your worst months, which is why a few years of low or no earnings often make little difference to the final pension.