CPP retirement pension
CPP Benefit Calculator 2026
See how much your Canada Pension Plan retirement pension will be if you start at 60, 65, 70 or any age in between.
Official 2026 rates, verified October 9, 2026
From your Service Canada statement. The 2026 maximum is $1,507.65; the average is $858.34.
CPP by starting age (at the 2026 maximum)
| Start age | Adjustment | Monthly (maximum) | Monthly (average) |
|---|---|---|---|
| 60 | -36.0% | $964.90 | $549.34 |
| 61 | -28.8% | $1,073.45 | $611.14 |
| 62 | -21.6% | $1,182.00 | $672.94 |
| 63 | -14.4% | $1,290.55 | $734.74 |
| 64 | -7.2% | $1,399.10 | $796.54 |
| 65 | +0.0% | $1,507.65 | $858.34 |
| 66 | +8.4% | $1,634.29 | $930.44 |
| 67 | +16.8% | $1,760.94 | $1,002.54 |
| 68 | +25.2% | $1,887.58 | $1,074.64 |
| 69 | +33.6% | $2,014.22 | $1,146.74 |
| 70 | +42.0% | $2,140.86 | $1,218.84 |
Payment dates: CPP payment dates 2026. Contributions: CPP contribution calculator.
Frequently asked questions
What is the maximum CPP at 65 in 2026?
$1,507.65 a month for a pension starting in January 2026. The average new pension at 65 was $858.34 a month in July 2026.
How much less is CPP at 60?
Your pension is reduced by 0.6% for each month before 65, so 36% less at 60.
How much more is CPP at 70?
Your pension increases by 0.7% for each month after 65, up to 42% more at 70. There's no benefit to waiting past 70.
Where do I find my own CPP estimate?
Sign in to My Service Canada Account to see your Statement of Contributions and an estimate of your pension at 65. Enter that figure above.
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All rates and amounts on this page are taken from official government sources, including the Canada Revenue Agency, Revenu Québec and provincial and territorial finance ministries. Last verified October 9, 2026.