Your Information

Your current age

Estimated monthly CPP at age 65

Default $900. Find your personal estimate on My Service Canada. The average is ~$830/month.

How long do you want to plan for? age 85

Range: 75–100. This is your planning horizon, not a prediction.

Break-Even Analysis

Cumulative CPP Collected Over Time

Note for lower-income Canadians: Starting CPP at 60 means CPP counts as income, which can reduce your GIS eligibility. If you're a lower-income retiree, check your GIS eligibility first — the trade-off may be significant.

Quebec residents: Use QPP figures from Retraite Québec — the QPP rules and rates differ from CPP.

Plain-Language Summary

Generating your personalized summary...

→ See how CPP timing affects your full retirement runway

→ Check if early CPP affects your GIS