CPP Retirement + Survivor Benefit Calculator
See why your own retirement pension and a survivor pension do not simply add together, and estimate the combined monthly amount for planning.
Your two CPP amounts
Use the age-65-equivalent amount from Service Canada, not necessarily the last deposit.
Estimated combined monthly CPP
$1,500$18,000 per year
Standalone survivor amount
$60060% formula, before combined-benefit adjustment
Combined-benefit adjustment
$02026 planning cap $1,532/mo
Why the combined amount is lower than a simple sum
Service Canada first calculates the survivor component and then applies combined-benefit rules and CPP enhancement adjustments. This calculator shows the published cap and a transparent planning adjustment; your My Service Canada Account amount remains authoritative.
Frequently asked questions
Can I receive CPP retirement and survivor pensions together?
Yes, but Service Canada combines them into one payment. The result is not normally the simple sum of both standalone benefits and cannot exceed the applicable combined maximum.
What is the 2026 combined CPP retirement and survivor maximum?
The published 2026 maximum combined retirement and survivor benefit is $1531.56 per month.
Official sources
Related Calculators
RRSP tax savings
Tax savings from an RRSP contribution at your marginal rate
TFSA growth
Project tax-free TFSA compounding over time
RRSP vs TFSA decision
Side-by-side projection with refund-reinvest math and break-even insight
Pension tax withholding
Estimate tax to withhold from each pension payment
OAS + GIS combined
Estimate your OAS, GIS and Allowance entitlement