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CPP & OAS Start-Age Calculator

Compare starting CPP anywhere from 60 to 70 and OAS from 65 to 70: the monthly amount, lifetime totals by age, break-even ages and the OAS clawback.

Rules checked
Short answer

With a CPP estimate of $900.00 a month at 65, starting at 60 pays $576.00 and starting at 70 pays $1,278.00, in today's dollars. Waiting from 65 to 70 comes out ahead in total if you live past about age 81.8; waiting from 60 to 70, past about 78.2.

Figures as of 2026-10-30.

CPP and OAS start ages

From My Service Canada. 2026 max $1,507.65, average new $858.34 (July 2026).
For the OAS clawback.
40 years for full OAS.
What the money could earn above inflation; 0 compares plain totals.
CPP break-even, 65 vs 70Age 81.8Live past this and waiting to 70 pays more in total
CPP at 60
$576.00/mo
CPP at 65
$900.00/mo
CPP at 70
$1,278.00/mo
Break-even, 60 vs 65
Age 73.8
OAS start with the most net to 90
Age 70
$267,546 after clawback

age 81.8

Monthly CPP by start ageToday's dollars$0$500$1,000$1,500$2,000606264666870
Show the numbers
Monthly CPP by start age
Monthly CPP
60$576
61$641
62$706
63$770
64$835
65$900
66$976
67$1,051
68$1,127
69$1,202
70$1,278
Assumptions & sources

Assumptions

  • CPP: −0.6%/month before 65, +0.7%/month after (Service Canada). OAS: +0.6%/month deferred, max 36%; $762.50/month at 65–74 (October to December 2026).
  • Today's dollars (both are indexed). Survivor benefits and taxes are not included here; RetirementPlanner.ca models them.

Sources

  1. Service Canada — CPP retirement pension: how much you could receive. Checked .
  2. Service Canada — CPP: when to start your pension. Checked .
  3. Service Canada — Old Age Security payment amounts. Checked .
  4. Service Canada — Delaying your first OAS payment. Checked .
  5. Service Canada — OAS pension recovery tax. Checked .

Your saved scenarios

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Lifetime CPP received, by start age and age at death

Today's dollars
Start atMonthlyTo 75To 80To 85To 90To 95
60$576$104K$138K$173K$207K$242K
62$706$110K$152K$195K$237K$279K
65$900$108K$162K$216K$270K$324K
67$1,051$101K$164K$227K$290K$353K
70$1,278$77K$153K$230K$307K$383K

OAS: when to start

OAS to age 90 with $45,000 of other income
Start atMonthly (65–74)Lifetime grossClawbackNet
65$762.50$242,475$0$242,475
66$817.40$250,124$0$250,124
67$872.30$256,456$0$256,456
68$927.20$261,470$0$261,470
69$982.10$265,167$0$265,167
70$1,037.00$267,546$0$267,546
Worked example: $900.00 at 65
Worked example: $900.00 at 65: inputs, steps and result
Estimate at 65$900.00
At 60 (−36%)$576.00
At 70 (+42%)$1,278.00
65 vs 70 break-evenage 81.8

Open this example in the calculator →Computed 2026-10-30.

Mitey reads a small rule book, pointing at a line.
Service Canada's rule in one line: 0.6% less a month early, 0.7% more a month late. Mitey checked it against canada.ca.

The break-even age ignores health and survivor benefits; if longevity runs in your family, the later start usually wins.

Go deeper on a MITEY specialist site

Frequently asked questions

When should I start CPP?

CPP can start from 60 to 70. Each month before 65 cuts the pension by 0.6% (36% at 60); each month after adds 0.7% (42% at 70). Starting at 70 instead of 65 pays more in total if you live past about 82, before any discounting.

Can I delay OAS?

Yes, up to age 70, for 0.6% more per month of delay (36% at 70). OAS is clawed back at 15% of net income above the yearly threshold, which can make delaying worthwhile for higher incomes.

Is CPP indexed to inflation?

Yes, CPP and OAS are indexed to the Consumer Price Index, so the comparison works in today's dollars.