How much CPP will I get if I retire at 65?

Based on an average income of $18,000, your estimated monthly CPP benefit at age 65 is approximately $343.

What is the maximum CPP benefit for 2026?

For 2026, the maximum monthly CPP benefit at age 65 is $1,421.45.

Low Income & GIS Estimate [2026]

Check eligibility for the Guaranteed Income Supplement (GIS) top-up for low-income seniors.

Estimated Monthly Income

$1,101

Combined CPP & OAS (Pre-Tax)

CPP Portion

$343

OAS Portion

$758

Profile & Family

Date of Birth

Target Retirement Age

The age you plan to start collecting CPP and OAS. Start as early as 60 or as late as 70.

Early (60)Standard (65)Deferred (70)

I have a Spouse / PartnerHelps estimate household GIS supplement eligibility.

Raised Children (Child-Rearing Provision)Drops low-income years while kids were under 7.

Financial & Residency

Canadian Resident Entire Adult Life?Age 18 to present / 65.

Personal Retirement Income (Taxable)

Estimate your annual taxable income in retirement (excluding OAS/GIS). Includes workplace pensions, RRSP/RRIF withdrawals, and interest. Used for the OAS Recovery Tax calculation.

Do not include TFSA withdrawals.

Earnings History

Quick Estimate

Just enter your current salary. We'll automatically project it backward and forward for a fast calculation.

Official Data Import

Paste your Service Canada data for the most accurate results possible, accounting for gap years and tiered contributions.

Generate Forecast from Salary

Forecast @ Age 65

$1,872 / mo

Scenario Analysis

Input Profile

Retirement Age: 65
Avg Earnings: $18,000
Years in Canada: 40