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Retirement Planning

CPP & OAS Pension
Timeline Calculator

See exactly how your arrival date affects your Canadian pension entitlements — and find your personal break-even age for delaying past 65.

Your Details
Person 1
$
$0$30K$60K$90K$120K+
Your average annual employment income while working in Canada — used only for CPP estimate. CPP is capped at the YMPE ($71,300 in 2025).
Add spouse / partner — see combined household pension income
Person 2
$
$0$30K$60K$90K$120K+
Entitlement Summary
Old Age Security (OAS)
Canada Pension Plan (CPP) estimate
Monthly Income: Collect at 65 vs. Collect at 70
Your Household Monthly Pension Income
Collect at Age 65
per month
VS
Collect at Age 70
per month
Cumulative Lifetime Income (Age 65–90)
Cumulative Pension Income Over Time
In today's dollars · Actual amounts indexed to inflation
Collect at 65
Collect at 70
Age Take at 65 — Monthly Take at 65 — Cumulative Take at 70 — Monthly Take at 70 — Cumulative
CPP and OAS amounts shown are estimates. For your actual CPP projection, log in to Service Canada My Account. OAS requires at least 10 years of Canadian residency to collect while living in Canada. Amounts are in today's dollars and are indexed to inflation.