CPP start-age comparison

    Your work history

    No CPP earnings after this. Years between stopping and starting CPP (up to 65) count as zero years.
    CPP counts earnings up to the YMPE ($74,600 in 2026), plus CPP2 up to $85,000.
    Optional. In My Service Canada Account. If entered, the model works out the earnings level behind it and replaces the income above.
    The child-rearing drop-out can remove these low years.

    Compare two start ages

    0% compares dollar totals. A positive rate values earlier cheques more.
    CPP at 65
    $1,520/mo
    stopping at 60: −6.2% vs working to 65
    At 60 / at 70
    $998 / $2,158
    −36% and +42% vs 65
    Break-even age
    78 and 7 months
    when starting at 70 catches up with 60

    What stopping work early does to CPP at 65

    Stop work atYears with no earningsDrop-out yearsCPP at 65
    55147.9$1,274
    58117.9$1,421
    6097.9$1,520
    6277.9$1,584
    6547.9$1,621

    Your contributory period runs from 18 to the month before CPP starts (months after 65 can be left out). The lowest 17% of months — up to about 8 years — are dropped. Stopping a few years early often costs nothing; stopping 10 or more years before CPP starts usually does.

    Cumulative CPP by start age (today's dollars)

    $0$250k$500k$750k$1.0M6065707580859095
    Start at 60Start at 65Start at 70

    Every start age from 60 to 70, with your work-stop age

    StartAdjustmentMonthlyTotal by 80Total by 85Total by 90Total by 95
    60−36%$998$239,548$299,434$359,321$419,208
    61−28.8%$1,110$253,172$319,796$386,420$453,044
    62−21.6%$1,223$264,101$337,463$410,824$484,185
    63−14.4%$1,335$272,336$352,434$432,533$512,632
    64−7.2%$1,439$276,197$362,508$448,820$535,131
    650%$1,520$273,529$364,705$455,881$547,058
    66+8.4%$1,647$276,738$375,573$474,408$573,244
    67+16.8%$1,775$276,884$383,378$489,872$596,366
    68+25.2%$1,903$273,967$388,119$502,272$616,425
    69+33.6%$2,030$267,985$389,797$511,608$633,420
    70+42%$2,158$258,941$388,411$517,881$647,352

    2026 rules: −0.6% a month before 65 (−36% at 60), +0.7% a month after 65 (+42% at 70). The estimate rebuilds base CPP (25% of average pensionable earnings after the 17% drop-out) and the enhancement since 2019 (first and second additional CPP) from a steady earnings history, in today's dollars; it reproduces the 2026 maximum of $1,507.65. Real earnings vary year to year, so your Statement of Contributions is the better starting point. Survivor benefits, the post-retirement benefit and disability years aren't included. Quebec workers receive QPP, which has its own adjustment rules.

    CPP start-age comparison · Powered by RetirementPlanner.ca · MITEY. Educational estimates, not financial advice.