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Pensions

CPP Calculator: How to Estimate Your CPP Pension

Your personal CPP estimate is in My Service Canada Account under "View my benefit estimates". The government's Canadian Retirement Income Calculator combines CPP, OAS and your savings and shows estimates at ages 60, 65 and 70. The maximum CPP at 65 for January 2026 is $1,507.65 a month.

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Typical amounts

Maximum at 65 (January 2026): $1,507.65 a month. Average for new pensioners (July 2026): $858.34 a month. Waiting longer, up to age 70, increases your monthly payment for life.

If you have only lived and worked in Quebec, your record is with the Quebec Pension Plan and isn't shown in My Service Canada Account.

Step by step

  1. Sign in to My Service Canada Account.
  2. Open the Canada Pension Plan section and choose "View my benefit estimates".

    This uses your actual contribution record.

  3. Check your statement of contributions.

    It lists your contributions and pensionable earnings by year. Errors here change your pension.

  4. Compare starting ages with the Canadian Retirement Income Calculator.

    Add OAS and your savings to see your full retirement income at 60, 65 or 70.

Phone numbers

CPP and OAS (Canada and U.S.)

1-800-277-9914

Agents: Monday to Friday, 8:30 am to 4:30 pm local time. Automated: 24/7.

From outside Canada and the U.S.: 1-613-957-1954 (collect)

Related

How to Sign In to My Service Canada Account (MSCA) Go to the official My Service Canada Account page, choose the sign-in option you registered with (Interac Sign-In Partner, GCKey, or B.C./Alberta provincial sign-in), then complete multi-factor authentication. First time? Register once using the Interac verification service or a Personal Access Code (PAC). CPP and OAS Payment Dates 2026 Remaining 2026 dates: November 26 and December 22. Canada Pension Plan and Old Age Security are paid on the same day each month, near the end of the month. December's payment comes early, on December 22. CPP Phone Number: How to Contact the Canada Pension Plan The Canada Pension Plan phone number is 1-800-277-9914 (Canada and the U.S.). Agents answer Monday to Friday, 8:30 am to 4:30 pm local time, and the automated service runs 24/7. From outside Canada and the U.S., call 1-613-957-1954 collect.

Sources

North Help Desk is an independent guide, not a government website. Rules, amounts and phone hours can change; always confirm on the official page before you act. Spotted something out of date? Tell us.