📊 CPP 2026
CPP Calculator 2026
Estimate your CPP retirement benefit at any start age from 60 to 70.
CPP Calculator 2026
Monthly CPP
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Annual CPP
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Vs Full Pension
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Adjustment Factor
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Frequently Asked Questions
What is the maximum CPP benefit in 2026?
The maximum CPP retirement pension at age 65 in 2026 is approximately $1,507/month. Few people reach the maximum — the average is closer to /month due to years with lower or no contributions.
What happens if I take CPP at 60?
Taking CPP at 60 permanently reduces your monthly benefit by 0.6% per month early (36% reduction at 60 vs 65). However, you receive payments for 5 more years. The break-even is typically around age 74.
What is CPP2?
CPP2 is the second additional CPP contribution, introduced in 2024. In 2026, employees contribute 4% on earnings between $3,500 and $74,600. This builds an additional pension entitlement on top of base CPP.