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CPP Retirement Benefit Calculator

↻ Updated 2026

See how claiming CPP early or late changes your monthly benefit — reduced 0.6% per month before 65, increased 0.7% per month after 65 up to age 70 — relative to your age-65 estimate.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Estimated CPP at age 65

From your CPP Statement of Contributions (My Service Canada)

Age you start CPP

Monthly CPP at 65

$1,200

+0% vs age 65

Annual CPP

$14,400

before tax

Adjustment

+0%

standard age

Monthly CPP by claiming age

age 60age 70

At a glance

If you claim at 60$768/mo

If you claim at 65$1,200/mo

If you claim at 70$1,704/mo

ASSUMPTIONS — CPP is reduced 0.6% for each month you start before 65 (up to 36% less at 60) and increased 0.7% for each month you delay past 65 (up to 42% more at 70). This adjusts your own age-65 estimate — it does not recompute your entitlement from your contribution history, and it excludes the post-retirement benefit, CPP enhancement phase-in, and inflation indexing. Get your personal age-65 estimate from My Service Canada.

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RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.