CPP start age
CPP Start Age Calculator
Compare starting your CPP pension at any age from 60 to 70, with monthly amounts, lifetime totals and break-even age.
$
Find it in My Service Canada Account. The 2026 maximum is $1,507.65.
yrs
Monthly pension starting at 65
$900
Change vs age 65
0.0%
Break-even age vs 65
—
| Start at | Monthly | Lifetime total |
|---|---|---|
| 60 | $576 | $186,624 |
| 65 | $900 | $237,600 |
| 70 | $1,278 | $260,712 |
CPP falls 0.6% for each month before 65 (up to 36% at 60) and rises 0.7% for each month after (up to 42% at 70). Payments are indexed to inflation, so figures are in today's dollars. Health, other income, survivor benefits and OAS timing also matter.
Sources · figures checked 2026-09-24
