Estimate your CPP retirement pension and see how much more (or less) you get by starting at 60, 65 or 70. Based on the 2026 maximum of $1,507.65 a month at 65.
CPP is based on how many years you worked and how close your earnings were to the yearly maximum ($74,600 in 2026).
0.6% less for each month before 65, 0.7% more for each month after. Total assumes payments until age 85, before inflation increases.
| Start age | Change | Monthly | Total to 85 |
|---|
How CPP is calculated
Your pension depends on your contributions between 18 and when you start, with your lowest-earning years (about 17%, plus years raising young children) dropped out. Most people get much less than the maximum: the average new pension at 65 was about $858 a month in early 2026. The enhanced CPP added since 2019 will slowly raise pensions for younger workers.
2026 CPP amounts
| Item | 2026 |
|---|---|
| Maximum pension at 65 | $1,507.65 a month |
| Average new pension at 65 | About $858 a month |
| Reduction if you start at 60 | 36% |
| Increase if you start at 70 | 42% |
For your exact number, check your Statement of Contributions in My Service Canada Account. Deciding when to start? Read CPP at 60 vs 65 vs 70 and see the 2027 CPP limits.
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Frequently asked questions
What is the maximum CPP in 2026?
$1,507.65 a month if you start at 65.
Is CPP taxable?
Yes. CPP is taxable income, but it is indexed to inflation every January.
Can I work and collect CPP?
Yes. If you are under 70 and keep working, you keep contributing and earn a post-retirement benefit that adds to your pension.
This calculator gives an estimate for general information only. Not financial advice.
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