Canadian CPP & OAS Pension Calculator
Estimate your CPP and OAS benefits with our transparent Canadian pension modeler. Factor in the latest 2026 enhancements and age adjustments.
Estimated lifetime average (in today's dollars)
Specify your income during different life stages. Calculations use current dollar equivalents.
No reduction or increase
Current Annual Burden (2026)
Retirement Insights
By delaying your CPP from 65 to 70, your monthly payout increases from $1,410 to $2,002. A guaranteed 42% lifetime increase.
Your current income is below the $93,000 threshold. No OAS recovery tax is expected.
Lifetime Benefit Value
Assuming a 25-year retirement (age 65 to 90), your total government benefits would be worth approximately:
Inflation-indexed & Guaranteed for life
Calculation Methodology
Estimates are for the 2026 tax year. CPP projections include Base CPP (25% replacement) and 8 years of Tier 1 Enhancement (partial replacement). OAS assumes current 2026 maximums adjusted for ages 65-74 vs 75+. Income tax is a generalized Canadian average (2026 brackets estimated) and does not include specific credits, deductions, or RRSP offsets.