CPP & OAS Estimator
Explore how your Canada Pension Plan and Old Age Security benefits could change depending on when you start collecting. These estimates use 2026 Government of Canada rates and are for illustration only.
Canada Pension Plan
The average Canadian receives about 53% of the maximum. Check your My Service Canada Account for your actual estimate.
Old Age Security
Deferring OAS increases your benefit by 0.6% per month (up to 36% at age 70).
Full OAS requires 40 years of Canadian residency after age 18. Partial pensions are available with 10+ years.
OAS Clawback Check
Include RRIF withdrawals, pension income, rental income, etc. The OAS clawback begins at $93,454 of total net income (2025 threshold).
CPP Benefit by Start Age
Breakeven Ages
Taking CPP at 65 instead of 60 pays off by age 73.9. If you expect to live past that age, waiting to 65 produces more total income.
Taking CPP at 70 instead of 65 pays off by age 81.9. If you expect to live past that age, deferring to 70 produces more total income.
OAS Benefit Estimate
Monthly OAS (age 65-74)
$742.31
Annual OAS
$8,908
Before any clawback
No OAS Clawback
Based on your estimated income, you are below the $93,454 threshold. Your full OAS benefit would be received.
Combined Government Income
Monthly (CPP + OAS)
$1,646.90
Annual (CPP + OAS)
$19,763
This is your estimated combined government retirement income at your selected start ages.
These estimates use 2026 Government of Canada benefit rates and are for illustration purposes only. Actual CPP benefits depend on your complete contribution history, which you can verify through your My Service Canada Account. OAS amounts are adjusted quarterly for inflation.
This tool does not account for the CPP enhancement (CPP2), survivor benefits, disability benefits, or the Guaranteed Income Supplement (GIS). Your actual benefits may differ. Consult a financial professional for personalized retirement income planning.