Public Service Pension Calculator
Separate the lifetime pension from the bridge benefit, test the unreduced-pension conditions and see how additional bought-back service changes the estimate.
Enter the salary and service the plan formula actually uses. The timeline separates the temporary bridge from the lifetime pension and tests the Group 1 or Group 2 unreduced-pension conditions.
Maximum credited service is 35 years.
Shows benefit impact, not the buyback purchase cost.
2026 five-year YMPE average: $69,180.
Unreduced monthly before age 65
Lifetime pension plus bridge, before any early-retirement reduction; an annual allowance would be lower
Unreduced monthly from age 65
Lifetime pension only
Reduced annual allowance, monthly before age 65
Unreduced figure less 25% (5.0 years at 5% a year, age option)
Reduced annual allowance, monthly from age 65
Lifetime pension only, after the same reduction
Annual bridge benefit
Temporary to age 65
Annual buyback increase
25 credited years
Unreduced pension
About 5.0 years away
Reduced annual allowance
Age threshold met
Credited service
25.00 / 35 years
Planning estimate only. My GC Pension and the Pension Centre use your verified service, salary history, elections and plan records.
What this estimate includes
The calculator uses the official coordinated formula and the 2022–2026 average YMPE for a 2026 retirement. You can replace AMPE when testing another retirement year.
Need a salary figure to plug in first? See current Government of Canada pay rates by classification group (CR, AS, PM, EC, IT, FI).
Annual-allowance reductions, indexation, survivor benefits, disability retirement and insurance eligibility require a personalized Pension Centre estimate.
Questions this calculator answers
How is the federal public service pension calculated?
The lifetime pension uses 1.375% of the best-five average salary up to AMPE plus 2% above AMPE, multiplied by pensionable service to a 35-year maximum. A temporary 0.625% bridge applies to salary up to AMPE before age 65.
What is the public service pension bridge benefit?
It is a temporary part of the pension generally paid when the pension starts before age 65. It stops at 65 or earlier if the member becomes entitled to CPP or QPP disability benefits.
When can Group 1 members retire with an unreduced pension?
Generally at age 60 with at least 2 years of pensionable service, or at age 55 with at least 30 years.
When can Group 2 members retire with an unreduced pension?
Generally at age 65 with at least 2 years of pensionable service, or at age 60 with at least 30 years.
How much is the pension reduced if I retire early?
Leaving before the unreduced conditions can give an annual allowance: the deferred pension reduced by 5% for each year short. For the age option that is the years between your age and 60 (Group 1) or 65 (Group 2), from age 50 (Group 1) or 55 (Group 2). With 25 years of service from age 50 (Group 1) or 25 years from age 55 (Group 2), the reduction uses the greater of the years to age 55 or 60 and the years short of 30 years of service.
Does this calculator replace My GC Pension?
No. It is a planning estimate. My GC Pension and the Pension Centre use verified service, salary and election records.
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