CPP Survivor Pension Calculator
Estimate the standalone monthly survivor pension using the survivor's age and the deceased contributor's age-65-equivalent CPP retirement pension.
Survivor and contributor details
Enter a per-month amount (not the yearly total): the age-65-equivalent amount from Service Canada, not necessarily the last deposit.
Estimated survivor pension
$7,358 per year
Standalone survivor amount
Flat amount + 37.5% formula
Combined-benefit adjustment
2026 planning cap $1,532/mo
What this estimate includes
The under-65 formula combines a flat amount with 37.5% of the contributor's age-65 pension. The age-65-plus formula uses 60%. Service Canada applies the relevant maximum and may adjust the result when the survivor also receives CPP retirement or disability benefits.
See the CPP survivor and death benefits guide for how the survivor pension, combined benefit and death benefit fit together.
Official sources
Frequently asked questions
How is the CPP survivor pension calculated before age 65?
For a survivor under 65, Service Canada uses a flat-rate portion plus 37.5% of the deceased contributor's age-65 retirement pension. The 2026 monthly maximum is $803.54.
How is the CPP survivor pension calculated at age 65 or older?
At age 65 or older, the survivor pension is 60% of the deceased contributor's age-65 retirement pension, subject to a 2026 maximum of $904.59 per month.
Is the CPP survivor pension taxable?
Yes. CPP survivor benefits are taxable income. Service Canada does not automatically deduct income tax unless you request voluntary withholding.
When the money arrives: CPP payment dates 2026, with every monthly deposit date for the year.
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