CPP & OAS Benefit Timing Calculator
Optimize when to start your Canada Pension Plan (CPP) and Old Age Security (OAS) benefits. See how different timing strategies impact your lifetime retirement income.
Cumulative Benefits by Age
Total benefits received over time, showing early vs delayed start trade-offs.
Timing Options
$540/mo (0.0% vs 60)
$735/mo (0.0% vs 65)
Avg: $845, Max: $1,433
Use our life expectancy calculator to estimate
Monthly Combined
$1275
CPP + OAS benefits
CPP at 60
0.0%
vs starting at 60
OAS at 65
0.0%
vs starting at 65
Total Advantage
0.0%
vs earliest start
Lifetime Value Analysis (to Age 85)
Lifetime CPP
$169K
Starting at 60
Lifetime OAS
$195K
Starting at 65
Total Lifetime
$364K
Combined benefits
vs Baseline
+$0
CPP@60 + OAS@65
Key Insights
Detailed Annual Breakdown
Year-by-year benefits with OAS step-up at age 75 (shown in today's dollars)
Loonies & Sense
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