CPP claiming comparison
Compare CPP at 60, 65 and 70 using your supplied age-65 pension estimate. Explore the monthly age adjustment for an earlier or later Canada Pension Plan start.
Your scenario
Method and limitations
The supplied age 65 monthly estimate is reduced 0.6% for each month before 65 or increased 0.7% for each month after 65, between ages 60 and 70. The comparison holds the underlying entitlement constant. Future contributions, dropout provisions, enhancements, tax, inflation and survivor interactions can change actual amounts. It does not estimate entitlement from earnings history.
Rule source: Canada CPP starting age rules (opens in a new tab). Rules checked 28 October 2026.
Compare CPP start ages using your own forecast
This comparison isolates the age adjustment. Changing when you stop work or contribute can also change the underlying pension. Use your Service Canada estimate and consider taxes, other income and personal circumstances before choosing a start date.
Worked example
For an unchanged age-65 estimate of CAD 1,000 per month, the age-adjusted comparison is CAD 640 at 60 and CAD 1,420 at 70.
Questions about this calculator
Does this calculate CPP from my contribution history?
No. Supply an age-65 monthly estimate; the tool applies only the early or late claiming adjustment.
Does it tell me the best age to take CPP?
No. It compares payment amounts without modeling lifetime break-even, taxes, health or survivor interactions.