What is the maximum CPP benefit for 2026?

For 2026, the maximum monthly CPP benefit at age 65 is approximately $1,421.45. This depends on your contributions throughout your working life and the Year's Maximum Pensionable Earnings (YMPE).

CPP Calculator [2026]

Data: Service Canada Maximums (Jan 2026)

Accurate estimates for your Canada Pension Plan benefits, including the new enhanced CPP rules.

Looking for OAS and GIS? We've moved our full household income and Old Age Security calculations to the new, comprehensive Retirement Planner.

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)

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

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

Data Missing

Forecast is currently $0. Add your earnings in the inputs panel to generate a projection.

Monthly Forecast

$0/ mo

Test Scenarios

Age: 65

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Lifetime Crossover

Cumulative cash flow by age

Understanding CPP Phase 2 (Enhanced)

Between 2019 and 2023, the Canada Pension Plan began 'Phase 1' of its modernization, increasing the base contribution percentage.

Beginning in 2024 and reaching full threshold in 2025, 'Phase 2' introduces the YAMPE (Year’s Additional Maximum Pensionable Earnings).

If you earn more than $71,300 in 2025, you now contribute an extra 4% on the 'Tier 2' slice of your income (up to approx $81,200).

LoonieFi models these tiered contributions to accurately forecast the 'Enhanced' portion of your future monthly check.

Government Resources & Links

CPP Rates My Service Canada Enhancement Guide