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CPP Start-Age Adjustment
Calculate the CPP percentage reduction or increase for starting retirement pension between ages 60 and 70.
CPP Adjusted Monthly Pension by Start Age
Apply the official CPP age adjustment to an age-65 monthly pension estimate.
CPP Annual Retirement Income
Convert an entered monthly CPP retirement pension into annual income.
CPP Delay Monthly Gain vs Age 65
Estimate the monthly dollar increase from delaying CPP after age 65.
CPP Early-Start Monthly Reduction
Estimate the monthly dollar reduction from starting CPP before age 65.
CPP Post-Retirement Benefit Estimate 2026
Estimate a new 2026 Post-Retirement Benefit using earnings as a share of the CPP earnings limit.
CPP Disability Payment Estimate 2026
Estimate CPP disability benefit by adding the 2026 flat amount to an entered earnings-related amount, subject to the published maximum.
CPP Survivor Pension Maximum 2026
Look up the 2026 maximum new CPP survivor pension by age group.
CPP Child Benefits Total 2026
Calculate monthly CPP child benefits using the 2026 flat amounts for eligible children and students.
CPP Death Benefit Maximum 2026
Calculate the CPP death benefit maximum depending on whether the additional C$2,500 top-up conditions are met.
OAS Maximum Monthly Payment — Jul–Sep 2026
Look up the maximum Old Age Security monthly pension for ages 65–74 or 75+ for July to September 2026.
OAS Partial Pension Estimate
Estimate partial OAS using years of Canadian residence after age 18 divided by 40.
OAS Deferral Increase Percentage
Calculate OAS deferral increase for delaying start after age 65, up to age 70.
OAS Deferred Monthly Payment Estimate
Apply the OAS deferral percentage to an entered base monthly OAS amount.
OAS Residence Eligibility Check
Check the basic residence-duration requirement for a partial OAS pension when living in Canada or abroad.
OAS Recovery Tax Estimate — 2026 Income
Estimate OAS recovery tax at 15% of 2026 net world income above the published C$95,323 threshold.
GIS Maximum by Marital Status — Jul–Sep 2026
Look up the maximum monthly Guaranteed Income Supplement and income cut-off for the current marital-status category.
GIS Income Threshold Check — Jul–Sep 2026
Check entered annual income against the current GIS income cut-off for the selected family situation.
GIS Employment Income Exemption
Estimate how much employment or self-employment income is exempt from GIS income testing under the current exemption structure.
OAS Allowance / Survivor Maximum Check — Jul–Sep 2026
Check age and income against current Allowance or Allowance for the Survivor thresholds and show the maximum monthly amount.