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
Enter a per-month amount (not the yearly total): the age-65-equivalent amount from Service Canada, not necessarily the last deposit.
Estimated combined monthly CPP
$18,000 per year
Standalone survivor amount
60% formula, before combined-benefit adjustment
Combined-benefit adjustment
2026 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.
See the CPP survivor and death benefits guide for how the survivor pension, combined benefit and death benefit fit together.
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
When the money arrives: CPP payment dates 2026, with every monthly deposit date for the year.
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