Free CPP Calculator — Your Payment at 60, 65 or 70

Free CPP and QPP calculator. See what your pension pays at 60, 65 or 70, and when waiting longer pays off.

Estimates follow the Canada Pension Plan and Québec Pension Plan rules, including the enhanced benefit that began in 2019, dropout years, and the adjustment for starting early or late.

How it works

1. Start from your birth year for a quick estimate, or upload your Service Canada or Retraite Québec statement to use your own earnings.
2. Compare every start age from 60 to 70 (72 for QPP) in today's dollars.
3. See when waiting pays off, how dropout years raise your pension, and why the result can differ from your Service Canada estimate.