Early
Retiring Early at Age 60
See the impact of the 36% permanent penalty on your monthly payments.
CPP & OAS Estimator
Accurate estimates for your government pension benefits, including the new enhanced CPP and GIS top-ups.
Profile & Family
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)
Financial & Residency
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.
Forecast @ Age 65
$1,815 / mo
Popular Retirement Scenarios
Early
Retiring at Age 62
A common compromise age. Calculate your specific penalty (21.6% reduction).
Standard
Standard Retirement (Age 65)
The benchmark calculation. 100% of your entitled CPP and OAS with no adjustments.
Deferred
Deferring to Age 68
Boost your pension by 25.2% (CPP) and 21.6% (OAS) by waiting three extra years.
Deferred
Max Deferral (Age 70)
The 'patience payoff'. See the maximum possible monthly boost (42% CPP, 36% OAS).
Standard
Maximum CPP Contributor
Estimate for high-income earners who consistently hit the Yearly Maximum Pensionable Earnings.