CPP & OAS Timing Calculator.
Should you start CPP at 60, 65 or 70? Compare what you would receive.
CPP & OAS Timing Calculator
This calculator compares starting your Canada Pension Plan at ages 60, 65 and 70, with or without Old Age Security. It uses the fixed government adjustment factors and totals your benefits to any age you choose. It ignores investment returns and inflation to keep the comparison simple.
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Total received by age 90
Start at 60
$0/mo
$0
Start at 65
$0/mo
$0
Start at 70
$0/mo
$0
Cumulative totals at key ages
| Age | Start 60 | Start 65 | Start 70 |
|---|
This compares total dollars received only. It ignores investment returns, inflation, tax, and the OAS clawback. Taking CPP later also means a larger benefit for a surviving spouse.
This calculator is for illustration only and is not financial advice. It assumes no investment return or inflation. Real benefits depend on your contribution history and government rules, which can change. Speak with a licensed advisor before making decisions.