CPP Benefit Estimator

How much CPP will you get? Enter your typical earnings and the years you worked to estimate your monthly retirement pension at every start age from 60 to 70.

Your work history

Typical yearly earnings, in today's dollars

Earnings above $74,600 (the 2026 YMPE) do not raise the main pension.

Years you worked and paid CPP: 35

Age you start CPP: 65

Years at home with a child under 7: 0

Estimated CPP retirement pension starting at 65

$1,353 / month

$16,236 a year, in 2026 dollars, indexed to inflation once it starts. The average new pension at 65 was $858 (July 2026); the maximum is $1,508.

The same history, started at each age

Start at	Adjustment	Monthly	Yearly
60	-36.0%	$965	$11,579
61	-28.8%	$1,073	$12,881
62	-21.6%	$1,149	$13,790
63	-14.4%	$1,221	$14,649
64	-7.2%	$1,289	$15,464
65	—	$1,353	$16,236
66	+8.4%	$1,467	$17,600
67	+16.8%	$1,580	$18,964
68	+25.2%	$1,694	$20,328
69	+33.6%	$1,808	$21,692
70	+42.0%	$1,921	$23,055

Counts 47 years from age 18; you need 39 of them at or above the YMPE for the full pension after the drop-outs. Your history earns 90% of the maximum.

How much CPP will I get on my salary?

Monthly CPP with a full working history (39 years at that salary, in today's dollars), started at 60, 65 and 70. Earnings above $74,600 do not raise the main pension.

Typical salary	At 60	At 65	At 70
$40,000	$517	$808	$1,148
$60,000	$776	$1,213	$1,722
$80,000	$965	$1,508	$2,141
$100,000	$965	$1,508	$2,141
$150,000	$965	$1,508	$2,141

Fewer years worked lowers every column. Use the estimator above for your own history.

How the estimate works

Start from the 2026 maximum pension at 65, $1,508 a month.
Scale it by your typical earnings as a share of the yearly maximum ($74,600 in 2026); earning more than that counts as the maximum.
Scale it by the years you contributed, out of the years from 18 to your start age after dropping up to 8 low years and any child-rearing years.
Apply the start-age adjustment: up to 36% less at 60, up to 42% more at 70.

This is a planning estimate. The real calculation averages your earnings month by month, and the CPP enhancement (counted over your best 40 years since 2019) will add more for people who work longer under it. Your Statement of Contributions in My Service Canada Account gives the exact figure.

Frequently asked questions

How much CPP will I get?

It depends on how many years you paid in and how close your earnings were to the yearly maximum ($74,600 in 2026). The most anyone starting at 65 in 2026 gets is $1,508 a month; the average new pension is $858 (July 2026). Enter your history in the estimator for your own figure.

How many years do I need to work to get the full CPP?

Your contributory period runs from 18 to when you start the pension. CPP drops up to 8 of your lowest-earning years from the base calculation, so starting at 65 you need about 39 years at or above the yearly maximum. Years at home with a child under 7 can also be dropped.

Is it better to take CPP at 60, 65 or 70?

Starting at 60 cuts the pension by up to 36% for life; waiting to 70 raises it by up to 42%. Waiting usually pays if you expect to live past your early 80s and can cover the gap. Compare both with the CPP and OAS start age calculator.

Where do I find my exact CPP amount?

Your Statement of Contributions in My Service Canada Account lists every year of earnings and gives Service Canada's own estimate. This estimator is a quick approximation for planning.

When the money arrives: CPP payment dates 2026, with every monthly deposit date for the year.