Investment Calculators · Canada

CPP & OAS.

Estimate your Canada Pension Plan and Old Age Security benefits. Compare taking CPP at 60, 65, or 70 and check whether your other income triggers OAS clawback.

Inputs

Your information
CPP details
Early = -0.6%/month under 65. Late = +0.7%/month over 65.
Full CPP requires ~39 years of maximum contributions.
$
Average over your working career (2024 YMPE: $68,500).
Other income (OAS clawback)
$
RRSP/RRIF withdrawals, pensions, employment income, etc.

Your benefits

Fill the form and press Calculate.

About these benefits

CPP is based on your contribution history; maximum at 65 is $1,364.60/month (2024) but most Canadians receive less. OAS is based on Canadian residency: maximum $727.67/month at 65-74, rising 10% at 75. OAS clawback (recovery tax) starts at $90,997 of net income at 15 cents per dollar above. GIS is available to low-income OAS recipients.

Disclaimer

Estimates only. Verify your personal CPP/OAS amounts through your My Service Canada Account, and discuss strategy with a qualified financial advisor.