CPP & OAS Benefit Calculator Canada (2026)

CPP rewards patience and OAS rewards residence. This calculator takes your estimated CPP at 65, adjusts it for the age you actually plan to start (down 0.6% a month early, up 0.7% a month late), adds your OAS based on years lived in Canada, and shows the combined monthly income the government side of your retirement provides.

Your estimated CPP at age 65, per month ($)Age you will start CPPYears lived in Canada after age 18 (40 = full OAS)Age you will start OAS

Uses the 2026 maximum CPP at 65 of $1,507.65 a month and the October to December 2026 maximum OAS of $762.50 a month (ages 65 to 74) from Service Canada. Your own CPP estimate is in My Service Canada Account. OAS rises a further 10% at age 75, and OAS is subject to recovery tax at higher incomes (from $95,323 for 2026). Quebec residents receive QPP instead of CPP, with similar adjustments.

How it works

CPP is built from your contribution record, which is why the calculator asks for your at-65 estimate rather than guessing it: the average new CPP pension at 65 is only about $858 a month (2026), well under the $1,507.65 maximum, because the maximum needs roughly 39 years of maximum contributions. The start-age adjustment is then pure arithmetic: start at 60 and the pension is permanently 36% smaller; wait to 70 and it is 42% larger.

OAS works on residence, not contributions: 40 years in Canada after 18 earns the full pension, and each year short of that removes one-fortieth. Delaying OAS past 65 adds 0.6% a month to a maximum of 36% at 70. Both benefits are indexed to inflation once they start.

Worked example

The calculator’s own output for the 2026 maximum CPP and a full OAS, both started at 65:

Item	Amount
CPP at 65 (2026 maximum used)	$1,507.65 a month
OAS at 65 (full 40 years)	$762.50 a month
Combined monthly benefit	$2,270.15
Combined yearly benefit	$27,241.80
Same CPP started at 70 instead	$2,140.86 a month (42% more)

Frequently asked questions

How much CPP will I actually get?

Your personal figure depends on your earnings and contributions between 18 and your start age, with your lowest years partly dropped out. Service Canada’s estimate in My Service Canada Account uses your real record; in 2026 the average new pension at 65 is about $858 a month, versus the $1,507.65 maximum.

Is it better to take CPP at 60 or 70?

Monthly, 70 pays 42% more than 65 and nearly double the age-60 amount. Lifetime, it depends on health, other income, taxes and whether you need the money. People who delay often use RRSP or TFSA withdrawals to bridge the gap.

How much OAS do I get with 20 years in Canada?

Half of the full pension: about $381.25 a month at the October to December 2026 rates, before any delay increase. You need at least 10 years of residence after 18 to receive OAS while living in Canada.

What is the OAS clawback for 2026?

The OAS recovery tax takes back 15% of net world income above $95,323 (for the July 2026 to June 2027 payment period), and the pension is fully recovered at $152,062 of income for ages 65 to 74. RRSP withdrawals and capital gains can push retirees into it.

Are CPP and OAS taxable?

CPP is fully taxable income. OAS is also taxable, and is additionally subject to the recovery tax above. GIS, the supplement for low-income seniors, is not taxed and is not included in this calculator.

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For education only. This calculator gives estimates, not financial, tax or legal advice. Figures use 2026 rates where a rate is built in; confirm your own numbers before making a decision.