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CPP at 60 vs 65 vs 70

Educational estimates using published CRA-style limits. Not tax advice.

Estimated CPP at 65 (annual)A Service Canada statement shows this. The boxes below scale that amount.Start age: 65

At age 65

$1,133/ month

$13,600 a year in this illustration.

Early CPP is reduced by 0.6% per month before 65 (36% lower at 60). Delayed CPP increases by 0.7% per month after 65, up to 42% higher at 70. Starting earlier lowers the monthly amount. Starting later raises it. This illustration does not choose a start age, and it is not a Service Canada estimate.

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