CPP Pension Calculator (unofficial)
This calculator estimates the amount of the Canada Pension Plan (CPP) retirement pension based on the starting age. Update the input value as required, then click Calculate to display the result.
Estimated CPP pension amount based on the starting age:
| Starting age: | Monthly | Yearly |
|---|---|---|
| 60 | 836.20 | 10034.40 |
| 61 | 930.28 | 11163.36 |
| 62 | 1024.35 | 12292.20 |
| 63 | 1118.42 | 13421.04 |
| 64 | 1212.50 | 14550.00 |
| 65 | 1306.57 | 15678.84 |
| 66 | 1416.32 | 16995.84 |
| 67 | 1526.07 | 18312.84 |
| 68 | 1635.83 | 19629.96 |
| 69 | 1745.58 | 20946.96 |
| 70 | 1855.33 | 22263.96 |
Estimated total CPP pension amount:
Starting at the age of
| 60 | 61 | 62 | 63 | 64 | 65 | |
| 60 | 10034.40 | - | - | - | - | - |
| 61 | 20068.80 | 11163.36 | - | - | - | - |
| 62 | 30103.20 | 22326.72 | 12292.20 | - | - | - |
| 63 | 40137.60 | 33490.08 | 24584.40 | 13421.04 | - | - |
| 64 | 50172.00 | 44653.44 | 36876.60 | 26842.08 | 14550.00 | - |
| 65 | 60206.40 | 55816.80 | 49168.80 | 40263.12 | 29100.00 | 15678.84 |
| 66 | 70240.80 | 66980.16 | 61461.00 | 53684.16 | 43650.00 | 31357.68 |
| 67 | 80275.20 | 78143.52 | 73753.20 | 67105.20 | 58200.00 | 47036.52 |
| 68 | 90309.60 | 89306.88 | 86045.40 | 80526.24 | 72750.00 | 62715.36 |
| 69 | 100344.00 | 100470.24 | 98337.60 | 93947.28 | 87300.00 | 78394.20 |
| 70 | 110378.40 | 111633.60 | 110629.80 | 107368.32 | 101850.00 | 94073.04 |
| 71 | 120412.80 | 122796.96 | 122922.00 | 120789.36 | 116400.00 | 109751.88 |
| 72 | 130447.20 | 133960.32 | 135214.20 | 134210.40 | 130950.00 | 125430.72 |
| 73 | 140481.60 | 145123.68 | 147506.40 | 147631.44 | 145500.00 | 141109.56 |
| 74 | 150516.00 | 156287.04 | 159798.60 | 161052.48 | 160050.00 | 156788.40 |
| 75 | 160550.40 | 167450.40 | 172090.80 | 174473.52 | 174600.00 | 172467.24 |
| 76 | 170584.80 | 178613.76 | 184383.00 | 187894.56 | 189150.00 | 188146.08 |
| 77 | 180619.20 | 189777.12 | 196675.20 | 201315.60 | 203700.00 | 203824.92 |
| 78 | 190653.60 | 200940.48 | 208967.40 | 214736.64 | 218250.00 | 219503.76 |
| 79 | 200688.00 | 212103.84 | 221259.60 | 228157.68 | 232800.00 | 235182.60 |
| 80 | 210722.40 | 223267.20 | 233551.80 | 241578.72 | 247350.00 | 250861.44 |
| 81 | 220756.80 | 234430.56 | 245844.00 | 254999.76 | 261900.00 | 266540.28 |
| 82 | 230791.20 | 245593.92 | 258136.20 | 268420.80 | 276450.00 | 282219.12 |
| 83 | 240825.60 | 256757.28 | 270428.40 | 281841.84 | 291000.00 | 297897.96 |
| 84 | 250860.00 | 267920.64 | 282720.60 | 295262.88 | 305550.00 | 313576.80 |
| 85 | 260894.40 | 279084.00 | 295012.80 | 308683.92 | 320100.00 | 329255.64 |
| 86 | 270928.80 | 290247.36 | 307305.00 | 322104.96 | 334650.00 | 344934.48 |
| 87 | 280963.20 | 301410.72 | 319597.20 | 335526.00 | 349200.00 | 360613.32 |
| 88 | 290997.60 | 312574.08 | 331889.40 | 348947.04 | 363750.00 | 376292.16 |
| 89 | 301032.00 | 323737.44 | 344181.60 | 362368.08 | 378300.00 | 391971.00 |
| 90 | 311066.40 | 334900.80 | 356473.80 | 375789.12 | 392850.00 | 407649.84 |
| 91 | 321100.80 | 346064.16 | 368766.00 | 389210.16 | 407400.00 | 423328.68 |
| 92 | 331135.20 | 357227.52 | 381058.20 | 402631.20 | 421950.00 | 439007.52 |
| 93 | 341169.60 | 368390.88 | 393350.40 | 416052.24 | 436500.00 | 454686.36 |
| 94 | 351204.00 | 379554.24 | 405642.60 | 429473.28 | 451050.00 | 470365.20 |
| 95 | 361238.40 | 390717.60 | 417934.80 | 442894.32 | 465600.00 | 486044.04 |
| 96 | 371272.80 | 401880.96 | 430227.00 | 456315.36 | 480150.00 | 501722.88 |
| 97 | 381307.20 | 413044.32 | 442519.20 | 469736.40 | 494700.00 | 517401.72 |
| 98 | 391341.60 | 424207.68 | 454811.40 | 483157.44 | 509250.00 | 533080.56 |
| 99 | 401376.00 | 435371.04 | 467103.60 | 496578.48 | 523800.00 | 548759.40 |
To estimate the CPP pension amount provide / update the following details:
- Base monthly CPP pension - your monthly Canada Pension Plan (CPP) retirement pension amount at the age of 65.
Estimates for your CPP benefits are available through your
My Service Canada Account
. For the up to date maximum pension figures see the Canada Pension Plan/Old Age Security quarterly report.
Click Calculate to display the results. Provided values are estimates only. Consult the Government of Canada CPP Retirement pension page or your financial advisor for an exact determination.
About CPP pension
The Canada Pension Plan (CPP) retirement pension is a monthly taxable benefit that provides income during retirement. Qualified persons receive the CPP retirement pension for the rest of their lives.
To qualify for the CPP pension, a person must:
- be at least 60 years old;
- have made at least one valid contribution to the CPP.
A new recipient starting the CPP pension at age 65 in 2023 may receive of up to $1,306.57. The actual amount of the pension depends on the average earnings through the working life, the amount of contributions to the CPP and the age at which the CPP retirement pension starts.
The standard age to start the CPP pension is 65. However, it can start as early as age 60 or as late as age 70. If pension is started before age 65, the pension amount will be decreased by 0.6% for each month between the starting date and the date the pensioner turns 65. The maximum reduction is 36% (7.2% per year) for starting at age 60. If pension is started after age 65, the pension amount will be increased by 0.7% for each month between the date the pensioner turns 65 and the pension starting date. The maximum increase is 42% (8.4% per year) if starting at age 70 (or after).
For more details, including the information on eligibility criteria and the list of other factors that could affect the pension amount, check the official CPP pension web page.
See also:
OAS Pension, GIS, and Allowance Calculator
OAS Pension Deferral Calculator
Canada Child Benefit (CCB) Calculator
Climate Action Incentive Payment (CAIP) Calculator
Employment Insurance (EI) Benefits Calculator
Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit Calculator
TFSA Calculator
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