CPP & OAS Calculator
The Canada Pension Plan (CPP) and Old Age Security (OAS) form the foundation of Canadian retirement income. For 2026, the maximum CPP retirement pension at age 65 is approximately $1,433/month, and the maximum OAS pension is approximately $727/month. Use this calculator to estimate your combined CPP and OAS benefits based on your contribution history and planned retirement age.
How CPP and OAS work
CPP: You must have made at least one valid contribution. The pension is based on your average earnings over your working years (dropping the 8 lowest years). You can take CPP as early as age 60 (reduced by 0.6%/month = 36% max reduction) or as late as 70 (increased by 0.7%/month = 42% max increase). The maximum monthly amount is adjusted annually for inflation. OAS: Available at age 65 if you have lived in Canada for at least 10 years since age 18. The full pension requires 40 years of residence. OAS is indexed quarterly. A clawback (recovery tax) of 15% applies on net income above approximately $90,997 (2025), fully clawed back around $148,000.
CPP/OAS Calculator 2026 — Canada Pension Plan & Old Age Security
Free CPP and OAS calculator for Canada. Estimate your Canada Pension Plan retirement pension and Old Age Security payments. Calculate your combined CPP and OAS retirement income at ages 60-70.
Monthly Benefits by CPP Start Age
Optimization Tip
Starting CPP at 65 gives you the full pension of $1,310/mo based on your income level. You can increase your benefit by up to 42% by delaying to age 70.
Monthly Benefits by Start Age
| Age | CPP | OAS | Total Monthly | Annual |
|---|---|---|---|---|
| 60 | $1,271/mo | $545/mo | $1,816/mo | $21,792/yr |
| 61 | $1,279/mo | $545/mo | $1,824/mo | $21,888/yr |
| 62 | $1,286/mo | $545/mo | $1,831/mo | $21,972/yr |
| 63 | $1,294/mo | $545/mo | $1,839/mo | $22,068/yr |
| 64 | $1,302/mo | $545/mo | $1,847/mo | $22,164/yr |
| 65 ← selected | $1,310/mo | $545/mo | $1,855/mo | $22,260/yr |
| 66 | $1,319/mo | $545/mo | $1,864/mo | $22,368/yr |
| 67 | $1,328/mo | $545/mo | $1,873/mo | $22,476/yr |
| 68 | $1,338/mo | $545/mo | $1,883/mo | $22,596/yr |
| 69 | $1,347/mo | $545/mo | $1,892/mo | $22,704/yr |
| 70 | $1,356/mo | $545/mo | $1,901/mo | $22,812/yr |