CPP Pension Calculator

Estimate your Canada Pension Plan retirement pension starting at any age from 60 to 70.

Your expected pension at 65 as a share of the maximum	60 %
Age you start	65

Your expected pension at 65 as a share of the maximum

Check My Service Canada Account for your Statement of Contributions; the average new pension is about 57% of the maximum.

Age you start

Monthly CPP pension

$904.59

Starting at 65: no adjustment from your age-65 amount of $904.59. The 2026 maximum at 65 is $1,507.65 a month.

Monthly pension by starting age

60$578.94
61$644.07
62$709.20
63$774.33
64$839.46
65$904.59
66$980.58
67$1,056.56
68$1,132.55
69$1,208.53
70$1,284.52

By starting age

Start age	Monthly	Adjustment
60	$578.94	-36%
62	$709.20	-21.6%
65	$904.59	+0%
67	$1,056.56	+16.8%
70	$1,284.52	+42%

About the CPP Pension Calculator

The maximum CPP retirement pension starting at 65 in 2026 is $1,507.65 a month; most people get less because it depends on how long and how much they contributed. Taking it before 65 reduces it by 0.6% for each month (36% at 60); delaying increases it by 0.7% per month (42% at 70). Payments are indexed to inflation each January.

The formula

Pension = age-65 amount × (1 − 0.6% × months early) or × (1 + 0.7% × months late)

Worked example

Example: Monthly CPP pension = $995.05

Inputs: Your expected pension at 65 as a share of the maximum: 66%; Age you start: 65.
Formula: Pension = age-65 amount × (1 − 0.6% × months early) or × (1 + 0.7% × months late)
Result: Monthly CPP pension = $995.05

Questions people ask

When should I start CPP?

Delaying pays more per month; the break-even for 65 vs 70 is typically in your early 80s.

Is CPP taxable?

Yes, as income.

Sources

Canada.ca: CPP monthly payment amounts