CPP Start Age Calculator
How your Canada Pension Plan retirement pension changes if you start it at any age from 60 to 70, and when waiting pays off.
Result
Monthly pension: CA$2,140.86Estimate
CPP is indexed to inflation every January, which this page leaves out. Your actual pension depends on your contribution record.
- Compared with starting at 65
- 142%
- Pension for a year
- CA$25,690.36Estimate
- Total payments catch up with starting at 65 at
- Age 81 and 11 months
https://calcgallery.com/retirement-planning/cpp-start-age-calculator/
Results are arithmetic on the returns, rates and horizons you enter, not a forecast and not investment, tax or retirement advice. The site supplies no expected return, inflation rate, contribution limit, tax rate or withdrawal rate. Real returns vary from year to year, and fees, taxes and the order of returns all change the outcome. Check anything that matters with a qualified adviser. Read the full disclaimer
How to use the CPP Start Age Calculator
- Enter the monthly pension you would get at 65, from your My Service Canada Account. The 2026 maximum is filled in.
- Choose the age you are thinking of starting at, from 60 to 70.
- Read the monthly pension at that age and when waiting would catch up in total payments.
The adjustment
The CPP retirement pension is set at 65 and adjusted for each month you start earlier or later.
before 65: pension × (1 − 0.6% × months early) lowest at 60: −36%after 65: pension × (1 + 0.7% × months late) highest at 70: +42%Most people get less than the maximum. Your statement on My Service Canada Account shows your estimate at 65, which is the figure to use.
With your numbers
- 0.6% less for each month before 65, 0.7% more for each month after, up to 70
Quick reference
CPP is indexed to inflation every January, which this page leaves out. Your actual pension depends on your contribution record.
| Example | Monthly pension |
|---|---|
| Maximum, start at 70 | CA$2,140.86 |
| Maximum, start at 60 | CA$964.90 |
| Maximum, start at 65 | CA$1,507.65 |
| $900, start at 63 | CA$770.40 |
| $1,200, start at 67 and 6 months | CA$1,452.00 |
| $800, start at 62 | CA$627.20 |
Where the numbers come from
The fixed figures this calculator relies on, and the published source each one was checked against. How the calculators are built and checked
3 sources
Canada.ca, CPP retirement pension: when to start, https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-benefit/when-start.html: "decrease by 0.6% each month"
Used for
- CPP: reduction for each month before 65.
Canada.ca, CPP retirement pension: when to start, https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-benefit/when-start.html: "increase by 0.7% each month"
Used for
- CPP: increase for each month after 65, to 70.
ESDC, CPP and OAS quarterly payment amounts 2026
Used for
- Maximum monthly CPP retirement pension starting at 65 in January 2026.
Common questions about the CPP Start Age Calculator
- How much less is CPP at 60?
- 0.6% less for each month before 65, so 36% less at 60. At the 2026 maximum of $1,507.65 a month at 65, that is $964.90 at 60.
- How much more is CPP at 70?
- 0.7% more for each month after 65, so 42% more at 70. The 2026 maximum would be $2,140.86 a month. There is no gain from waiting past 70.
- What is the break-even age?
- The age when the total received by waiting catches up with the total from starting earlier. Starting at 70 rather than 65 catches up around age 82. It ignores inflation indexing, investment returns and taxes, and it is not advice.
- Is CPP indexed?
- Yes, every January to the consumer price index, whichever age you start at. The page leaves indexation out, so the figures are in today's dollars.