CPP and OAS Calculator
Updated on 22 Oct 2026 · Checked by Aotob
Starting CPP at 65 and OAS at 65, you get about C$1,650 a month.
C$905 from CPP and C$745 from OAS, before tax.
CPP and OAS a month
C$1,650
Each year you delay CPP past 65 adds 8.4% for life (up to 70); each year early cuts 7.2%. Delaying OAS adds 7.2% a year. OAS rises 10% at 75.
Show the working
CPP = 1,507.65 × 60% × 1 = 904.59
OAS = 745.00 × 40/40 = 745.00
By CPP start age
| Start | CPP a month | Change |
|---|---|---|
| 60 | 579 | -36% |
| 62 | 709 | -22% |
| 65 | 905 | 0% |
| 67 | 1,057 | 17% |
| 70 | 1,285 | 42% |
Questions people ask
When should I start CPP?
You can start from 60 to 70. Each month before 65 cuts it by 0.6% (36% at 60); each month after adds 0.7% (42% at 70).
How much is OAS?
About C$745 a month from 65 to 74 and 10% more from 75 (October to December 2026). Deferring to 70 adds 0.6% a month, up to 36%.
What is the OAS clawback?
15% of net income over C$95,323 (2026) is paid back, until OAS is gone at around C$155,000.
Updated 22 Oct 2026Source: Government of Canada: CPP and OAS payment amountsChecked by AotobEstimate: your CPP Statement of Contributions on My Service Canada Account gives your real figure.Report an issue