GlenCalc

CPP retirement pension calculator

Your CPP pension depends on what you paid in and when you start. Enter your estimate at 65 from your My Service Canada Account, or start from the average, to compare starting ages.

The average at 65 is $858.34 and the maximum for January 2026 is $1507.65.

Your answer

Monthly pension$858.34
Yearly pension$10,300.08
Change from age 650 %
  • In today's dollars. The real amount depends on your contributions, is taxable, and rises each year with prices.

Worked out in your browser. Nothing you type is sent to a server.

How we worked it out

Updated as you change the numbers.

  1. $858.34 × 1 = $858.34 a month.

Method and assumptions

Canada.ca: payments fall by 0.6% for each month before 65, up to 36% at age 60, and rise by 0.7% for each month after 65, up to 42% at age 70.

Questions

How much less is CPP at 60?

36% less than at 65. A pension of $858.34 at 65 becomes $549.34 at 60.

Sources

Method and figures checked on November 3, 2026. Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.

Embed this calculator on your site

Free to use. Paste this where you want the calculator; it runs in your visitors’ browsers, sets no cookies and never sends us anything your visitors type.

Related calculators