CPP at 60, 65 or 70: what would your cheque be?
Slide your claiming age and watch your monthly amount, the difference against 65 and the breakeven age update, using the exact 0.6% and 0.7% monthly adjustments.
Uses the same 2026 CRA rules as the TruePath engine. Rules current as of January 2026.
From your CPP statement of contributions in My Service Canada Account. The average new pension is roughly $900; the 2026 maximum is $1,507.65.
| By age | Claiming at 65 | Claiming at 65 |
|---|---|---|
| 75 | $108,000 | $108,000 |
| 80 | $162,000 | $162,000 |
| 85 | $216,000 | $216,000 |
| 90 | $270,000 | $270,000 |
Simple before-tax totals. Which age is 'ahead' flips at the breakeven, and tax can move it again, which is what the full planner shows.
Use the CPP or QPP toggle above. Quebec's QPP reduces an early pension by 0.5% a month instead of CPP's 0.6%, so it is gentler on early claims. The deferral credit is 0.7% a month for both.
What this quick tool leaves out
This comparison is before tax and assumes your age-65 estimate is accurate. Tax brackets, other income, the OAS clawback and a partner's situation all shift the real answer. TruePath compares your claiming ages after tax, inside your whole plan.
Questions people ask
Where do I find my CPP estimate at 65?
In your My Service Canada Account, on your CPP statement of contributions. The estimate assumes you keep contributing at your recent level until 65, so it can run a little high if you retire earlier.
How exact are the adjustment percentages?
They are set by legislation. For CPP it is 0.6% less per month before 65 and 0.7% more per month after 65. Quebec's QPP uses a gentler 0.5% per month before 65 and the same 0.7% after, which the QPP toggle applies. The adjustment is permanent for life.
What does the breakeven age mean?
The age where the bigger, later cheques have caught up with the head start of claiming earlier, on simple totals. Live past it and waiting collected more overall; do not reach it and the earlier claim won.
Does my claiming age change my spouse's survivor pension?
No. The survivor pension is calculated from your unadjusted age-65 amount, so claiming at 60 or 70 changes your own cheque, not the base your spouse's survivor pension is built from.
This was the quick version. See it on your real accounts.
TruePath runs these rules across every year of your retirement, after tax, for both spouses, and explains the result in plain English. Fourteen days free.