8 retirement numbers every Canadian should know for 2026

A handful of numbers drive most Canadian retirement decisions. Here are the ones that matter for 2026, each linked to a deeper guide or a free calculator.

1. Maximum CPP at 65 — $1,507.65/month

The most anyone starting CPP at 65 in 2026 receives. Most people get far less (the average is around $900) because the maximum needs a near-full career of contributions at the ceiling. See average & maximum CPP.

2. CPP timing — −36% to +42%

Start CPP at 60 and it is 36% lower for life; wait until 70 and it is 42% higher. The right age is personal — when to take CPP walks through it.

3. Maximum OAS — $751.97 (65–74) / $827.17 (75+)

Per month, for the July–September 2026 quarter. Reviewed quarterly for inflation. See OAS payment amounts & dates.

4. OAS clawback threshold — $95,323

Above this net income (2026 tax year), OAS is reduced by 15% of the excess. Most retirees never reach it — but if you might, read how to reduce OAS clawback.

5. GIS maximum (single) — about $1,123/month

The non-taxable top-up for lower-income seniors, gone by about $22,800 of other income. See GIS & the Allowance.

6. TFSA limit — $7,000 (about $109,000 cumulative)

And RRSP is 18% of earned income up to $33,810; the FHSA is $8,000/year to a $40,000 lifetime max. All in contribution limits.

7. RRIF minimum at 71 — 5.28%

The mandatory withdrawal percentage once your RRIF is running, rising with age to 20% at 95. See RRIF minimum withdrawals.

8. The 4% rule — ÷ 0.04 (× 25)

A rough way to size the savings your own portfolio must provide after CPP and OAS. See how much you need to retire.

Put them together

Numbers are inputs, not a plan. See how they interact for your situation in the free retirement readiness and cash-flow calculators.

Not financial advice. Figures verified against CRA and Service Canada for 2026; amounts change — confirm current values before deciding.