CPP & OAS Retirement Benefit Estimator

Two federal pensions, the same rules no matter which province you retire in, and two very different sets of start-age math. See what starting early or late actually does to your income.

Reading This Tool

How To Use This Calculator

Estimate CPP as a percentage of the maximum, since actual entitlement depends entirely on your contribution history.

CPP can start any time between 60 and 70, shrinking 0.6% per month before 65 or growing 0.7% per month after. OAS can't start before 65 but grows 0.6% per month if delayed to 70, and is prorated by years lived in Canada after 18. High retirement income triggers the OAS recovery tax, clawing back 15 cents of OAS per dollar over the threshold.

Your Inputs

Expected CPP, % Of Maximum 65%

CPP Start Age 65

Years Lived In Canada Since Age 18 40 yrs

OAS Start Age 65

Other Net Income In Retirement $40,000

CPP percentage of maximum is a planning assumption, most Canadians receive well under the maximum, which requires 39 years of contributions at or above the year's maximum pensionable earnings. Check your own Statement of Contributions on My Service Canada Account for a precise figure.

Estimated Monthly Income

CPP, Monthly

OAS, Monthly (Before Clawback)

OAS Clawback, Monthly

Total CPP + OAS, Monthly (After Clawback)

Monthly CPP At Every Start Age, 60 To 70

Monthly CPP At That Start Age

Uses approximate 2026 maximum CPP and OAS figures and the current OAS recovery tax threshold, all indexed annually and subject to change. CPP and OAS are federal programs, identical in every province and territory; only your own contribution and residency history changes the numbers.

Layer this on top of your own portfolio drawdown plan.

Run The Retirement Drawdown Simulator →