CPP calculator
See how your Canada Pension Plan payment changes when you start before or after age 65.
IndependentFreeNo sign-upSources: Government of Canada
Estimated monthly CPP
$1,000.00
100% of your age-65 amount
How the CPP adjustment works
Your pension decreases 0.6% for each month before 65 and increases 0.7% for each month after 65, up to age 70. The decision is permanent and your actual payment also depends on your contribution history.
Frequently asked questions
How much is CPP reduced at age 60?
Starting five years before age 65 reduces the age-65 amount by 36%: 0.6% for each of 60 months.
How much does CPP increase at age 70?
Starting five years after age 65 increases the age-65 amount by 42%: 0.7% for each of 60 months.
Is this my official CPP estimate?
No. Use your My Service Canada Account for your personalized contribution-record estimate.
This calculator is for educational purposes only and is not financial, tax, or legal advice. Pensora is independent and not affiliated with the SSA, the IRS, or any government agency. For decisions about your own situation, consider a licensed financial advisor.