How much is the maximum CPP in 2026?

$1,433 per month if taken at age 65 with maximum contributions. $917 at age 60 (36 percent reduction). $2,035 at age 70 (42 percent boost). The average actual CPP is $832 per month.

How much is OAS in 2026?

$727 per month for ages 65-74, $800 for ages 75 and over. Full OAS requires 40 years of residence in Canada after age 18. Partial OAS is available with 10+ years.

When does OAS clawback kick in for 2026?

Above $93,454 net income, OAS is clawed back at 15 cents on the dollar. Fully clawed back at $151,668 (ages 65-74) or $157,490 (ages 75+).

Should I take CPP at 60, 65, or 70?

Delaying to age 70 beats taking at 60 by a large margin (42 percent more per month, indexed to inflation, for life) if you expect to live past about 78. Take earlier if you need cash flow or expect shorter life expectancy.

Is GIS available with OAS?

Yes. Guaranteed Income Supplement pays up to $1,087/month for single seniors with income under $22,272, on top of OAS. Couple thresholds differ.

Argent et impôts au Canada

Calculateur de revenu de retraite RPC + SV (Canada 2026)

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Quick answer

How much will I get from CPP and OAS at 65 in 2026?

In 2026 the maximum CPP at age 65 is $1,433 per month (average actual: $832). Maximum OAS is $727 per month for ages 65-74, $800 for ages 75+. Delay CPP to 70 for a 42 percent boost ($2,035 max). OAS clawback starts at $93,454 net income. Together CPP and OAS rarely replace more than 40 percent of pre-retirement income.

Last updated: May 13, 2026 · Source: Service Canada 2026 OAS and CPP rates, Department of Finance Budget 2025

CPP + OAS Retirement Income Estimator (Canada 2026)

Estimate your monthly retirement income from CPP and OAS based on age and contribution history.

Age you plan to start CPPCPP contribution levelYears lived in Canada after age 18 (for OAS)Other taxable income at retirement (CAD/year)

How Much Will I Get From CPP and OAS at 65?

A snapshot of Canada's two public pension programs and what they pay in 2026.

Most Canadians retire on a combination of three buckets: CPP/QPP, OAS (with GIS for lower incomes), and private savings (RRSP/TFSA/employer pensions). CPP and OAS together rarely replace more than 40 percent of pre-retirement income, so private savings matter.

2026 CPP maximums (taken at 65)

Maximum monthly CPP retirement: $1,433
Average actual monthly CPP: $832
Maximum at age 70: $2,035 (42 percent boost for delaying)
Minimum at age 60: $917 (36 percent reduction for taking early)

2026 OAS maximums (ages 65 to 74)

Monthly: $727 (annual $8,724)
Ages 75+: $800/month (10 percent bonus since 2022)
GIS for single seniors: up to $1,087/month if income under $22,272

OAS clawback in 2026

Above $93,454 net income, OAS is clawed back at 15 cents per dollar. Fully clawed back at $151,668 (ages 65-74) or $157,490 (ages 75+).

Strategy: take CPP at 60, 65, or 70?

If you expect to live past age 78, delaying CPP to age 70 beats taking it at 60 by a large margin (42 percent more per month, indexed to inflation, for life). Take it earlier if you need cash flow, expect a shorter life expectancy, or your TFSA/RRSP can't bridge the gap.

Check your real numbers at My Service Canada Account — it shows your projected CPP at 60, 65, and 70 based on your actual contribution history.

More tools for Canadians

Reviewed by: Montreal Tips editorial team · Last updated: May 13, 2026

Sources: Service Canada 2026 OAS and CPP rates, Department of Finance Budget 2025. Estimates are educational only — verify against official sources before acting.