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CPP Calculator Canada 2025

Estimate your Canada Pension Plan retirement benefit — compare early, standard and delayed CPP.

Max 39 years for full CPP
$
CPP max pensionable: $71,300
CPP at age 65 (standard)
$674
per month
CPP at age 65 (increased 0%)
$674
per month
Annual at retirement age
$8,094/yr
Early vs Standard vs Late CPP
Age 60 (−36% reduction)$432/mo$5,180/yr
Age 62 (−21.6% reduction)$529/mo$6,346/yr
Age 64 (−7.2% reduction)$626/mo$7,511/yr
▶ Age 65 — standard$674/mo$8,094/yr
Age 67 (+16.8% increase)$788/mo$9,454/yr
Age 70 (+42% maximum)$958/mo$11,493/yr
Your CPP Contribution Summary
Annual contribution
$3,659
Total contributed over career
$73,185
2025 max benefit (age 65)
$1,450/mo
⚠️ CPP estimates are approximate. Actual benefit depends on your full contribution history as recorded by Service Canada. Check your Statement of Contributions at My Service Canada Account (MSCA). CPP is also subject to income tax in retirement.