Retirement · CPP
CPP Calculator 2026
A quick estimate of your CPP retirement pension, and how it changes if you start between 60 and 70.
Your work history
How much CPP will I get? (2026)
The maximum CPP retirement pension at 65 is $1,507.65 a month (January 2026), but few people get it: you need to earn at least the yearly maximum pensionable earnings ($74,600 in 2026) for about 39 years. The average new pension at 65 is well under $900 a month.
Starting early cuts your pension by 0.6% for each month before 65 (36% less at 60). Waiting raises it by 0.7% a month after 65 (42% more at 70). This estimate scales the maximum by your earnings and years worked; your exact figure is in My Service Canada Account.
CPP is taxable. Plan the rest of your retirement income with the RRSP calculator and RRIF minimum calculator.
Sources: Canada.ca: CPP payment amounts · Canada.ca: when to start your pension
Frequently asked questions
What is the maximum CPP payment in 2026?
$1,507.65 a month at 65 (January 2026). The maximum rises during the year as the CPP enhancement phases in.
How much CPP will I get if I earned $60,000?
Roughly $1,200 a month at 65 after a full 39-year career at that level in today's dollars, less if you worked fewer years.
Should I take CPP at 60 or 70?
Taking it at 70 pays 42% more per month than at 65, and 122% more than at 60. If you're healthy and can afford to wait, a later start usually pays more over a long retirement.
Is CPP taxable?
Yes. CPP is taxable income; you can ask Service Canada to withhold tax from each payment.
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