CPP Calculator
Your CPP retirement pension by start age
?
Average: new pensions at 65 in April 2026. Maximum: pensions starting January 2026. CPP rises with inflation each January, so amounts are in today's dollars.
Your CPP from age 65
$877.01/mo
Per year
$10,524
Vs. starting at 65
--
Total by 85
$210,482
65 is the standard start age. Change the start age to see how much an earlier or later start changes each payment.
CPP by start age (today's dollars)
| Start at | Monthly | Total by 80 | Total by 90 |
|---|---|---|---|
| 60 | $561.29 | $134,709 | $202,063 |
| 61 | $624.43 | $142,370 | $217,302 |
| 62 | $687.58 | $148,516 | $231,025 |
| 63 | $750.72 | $153,147 | $243,233 |
| 64 | $813.87 | $156,262 | $253,926 |
| 65 | $877.01 | $157,862 | $263,103 |
| 66 | $950.68 | $159,714 | $273,796 |
| 67 | $1,024.35 | $159,798 | $282,720 |
| 68 | $1,098.02 | $158,114 | $289,876 |
| 69 | $1,171.69 | $154,662 | $295,265 |
| 70 | $1,245.35 | $149,443 | $298,885 |
Totals leave out tax and any investment return on the money you receive earlier.
By the Coast FIRE Calculator editorial team · Methodology · Official sources: Canada Pension Plan: pensions and benefits monthly amounts; CPP retirement pension: how much you could receive · Sources checked September 26, 2026 · Corrections: hello@coastfirecalculator.io
CPP in 2026
Maximum at 65 (pensions starting January 2026)
$1,507.65 a month
Average for new pensions at 65 (April 2026)
$877.01 a month
Each month you start before 65
-0.6% (36% less at 60)
Each month you start after 65
+0.7% (42% more at 70)
Earliest and latest start
60 and 70; nothing is gained by waiting past 70
Indexing
Once a year in January with the CPI: +2.0% for 2026
From canada.ca, checked September 26, 2026. canada.ca notes that maximum amounts increase every month as a result of the CPP enhancement.
When to start CPP
Every start age pays a fixed share of your age-65 pension for life: 64% at 60, 100% at 65, 142% at 70. Starting early gives you more years of payments; starting late gives you bigger ones.
Counting only the payments, starting at 70 catches up with starting at 65 at about age 81.9, and with starting at 60 at about 78.2. If you expect to live past those ages, a later start pays more in total. canada.ca suggests weighing your health, finances and retirement plans.
If you plan to retire early, the Coast FIRE calculator for Canada shows how your CPP start age changes the savings you need.
Sources