Skip to main content

CPP Calculator: Estimate Your Pension From 60 to 70

Updated

This calculator estimates your monthly CPP retirement pension at any start age from 60 to 70. You enter your pension as a percentage of the maximum at 65, and it applies the start-age adjustment and compares five start ages side by side.

Estimated Monthly CPP
Start Age
Maximum CPP at 65 (January 2026)
Your % of Maximum
Age Adjustment
Monthly Benefit
Annual Benefit
CPP Comparison by Start Age
Start AgeAdjustmentMonthlyAnnualTotal by Age 80

What to enter

The percentage is your own pension at 65 compared with the maximum ($1,507.65 a month for a pension starting in January 2026). The best source is Service Canada’s estimate of your pension, which is based on your actual earnings record:

  1. Sign in to My Service Canada Account.
  2. Open the Canada Pension Plan section.
  3. Check your Statement of Contributions for missing or wrong years, then look at the estimate of your pension.
  4. Divide the estimate at 65 by the maximum. An estimate of $1,000 a month, for example, is about 66% of $1,507.65.

Without an estimate, a rough guide is how your earnings compared with the maximum pensionable earnings ($74,600 in 2026) over your working life, after your lowest years are dropped. Someone who earned about half the maximum in most years would enter about 50%. For comparison, the average new retirement pension was $858.34 a month in July 2026, about 57% of the maximum.

How the start age changes it

The calculator applies the same adjustment Service Canada does: 0.6% less for each month you start before 65, and 0.7% more for each month after 65, up to 70. At the maximum:

Start ageAdjustmentMonthly pension (maximum, starting in January 2026)
60−36%$964.90
65none$1,507.65
70+42%$2,140.86

Which start age pays more over a lifetime depends on how long you live; the breakeven ages and the other trade-offs are in CPP at 60 vs 65 vs 70.

What the estimate leaves out

  • The monthly rise in the maximum. The calculator uses the maximum for a pension starting in January. Because the CPP enhancement is still phasing in, the maximum for a new pension rises slightly each month, and pensions are indexed to inflation every January once they start.
  • Work after the pension starts. Contributions made then earn a post-retirement benefit on top of the pension.
  • Tax. The pension is taxable income (is CPP taxable?).
  • Other benefits. A survivor’s pension combined with your own has its own limits (CPP survivor benefits), and Old Age Security is separate (CPP vs OAS).

How the pension itself is worked out, including the drop-out of low-earning years, is explained in why your CPP may be less than you expected. The maximum CPP payment page covers who gets the maximum. All CPP guides are listed in the Canada Pension Plan hub.

Sources

The figures and rules on this page come from these sources, last checked against them between September 5, 2026 and September 29, 2026. How we check facts.