CPP & OAS Benefits Estimator
👴 2025 ratesEarly vs late takeup comparisonOAS included
👴 Your Work History
yr
yr
When you first made CPP contributions
$
2025 maximum pensionable earnings: $71,300
yr
Full OAS requires 40 years of Canadian residency after age 18
⚠️ This is an estimate onlyThe real CPP benefit is calculated by Service Canada using your complete earnings history. For your actual projected amount, log in to My Service Canada Account.
🇨🇦 Old Age Security (OAS) at 65
$0/mo
📊 CPP Monthly Benefit — When Should You Take It?
💡 Early (60): Reduced by 0.6%/month before 65 (max 36% reduction). Late (70): Increased by 0.7%/month after 65 (max 42% increase). Breakeven age for deferring: typically 82–84.
💰 Combined Monthly Income at Different Ages
📅 Cumulative CPP Received by Age (60 vs 65 vs 70)
| Age | Start at 60 (cumul.) | Start at 65 (cumul.) | Start at 70 (cumul.) |
|---|