CPP Start Age Calculator: What 60, 65, and 70 Are Worth to You

Enter your estimated CPP at 65 and see exactly what starting at 60 costs you — and what waiting until 70 pays — in monthly dollars.

Your estimated CPP at age 65

$/ month

Find your real estimate in your My Service Canada Account — it is based on your own contributions. The maximum at 65 in 2026 is $1,507.65.

Start at 60

$576

per month · 36% less

Start at 65

$900

per month · your full amount

Start at 70

$1,278

per month · 42% more

Waiting from 60 to 70 is worth $702 more every month — about $8,424 a year, for life, indexed to inflation.

How the adjustments work

The Canada Pension Plan is built around age 65. Start earlier and the pension is permanently reduced by 0.6% for every month you are under 65 — 36% smaller at age 60. Start later and it grows by 0.7% for every month past 65, reaching 42% more at age 70. After 70 there is no further increase, so there is never a reason to wait longer than that.

The break even question everyone asks

Taking the smaller pension earlier means collecting it for more years. Take CPP at 60 instead of 65 and the five extra years of payments take a long time for the bigger pension to win back — for someone comparing 60 against 70, the higher monthly amount typically pulls ahead in total dollars somewhere in the early eighties. Health, other income, and whether you are still working all belong in a real decision; the calculator above gives you the monthly stakes so the trade off is in dollars, not vibes.

Where to get your real estimate

The estimate that matters is the one built from your own contributions. Sign in to your My Service Canada Account and open your CPP statement of contributions — it shows your projected pension at 60, 65, and 70 to the dollar. Bring that age 65 figure back here and run it.

More calculators

Deciding when to start CPP is one of three calculations this site runs for you. The EI estimator works out a weekly benefit at 55% of your pay, and the OAS clawback calculator shows what the recovery tax takes back at your income.