Canada Pension Calculator 2026
Estimate your CPP retirement pension and OAS benefits based on your earnings and planned retirement age.
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How the Pension System Works in Canada
Canada's retirement income has two main public pillars. CPP (Canada Pension Plan) is contribution-based, with the maximum monthly benefit of $1,433 at age 65 (2025). Benefits can start as early as 60 (−36%) or as late as 70 (+42%).
OAS (Old Age Security) is residency-based, paying up to $727.67/month at age 65. OAS is clawed back at 15% for income above $90,997.
CPP benefits depend on your contribution history relative to the yearly maximum pensionable earnings ($71,300 in 2025). Both CPP and OAS are indexed to inflation.
Data source: https://www.canada.ca/en/services/benefits/publicpensions.html
Last verified: 2026-04-25