CPP / OAS / GIS Estimator
Estimate benefits, compare early vs late start ages, and see OAS clawback risk — free for Canadians.
$925.35
$11,104/yr · factor 0.0%
$751.97
$9,024/yr net
$0
Starts at $95,323 net
$0.00
Simplified estimate
CPP timing (60–70)
Monthly pension by start age, based on your age-65 estimate of $925.35.
Break-even vs age 65 (no indexing): about age 65.0.
Formula: −0.6%/mo before 65 (max −36% at 60), +0.7%/mo after (max +42% at 70). Amounts not CPI-indexed in this tool.
Learn more: When to take CPP · 2026 figures
CPP timing table
Monthly, annual, and factor by start age (60–70).
| Start age | Factor | Monthly | Annual |
|---|---|---|---|
| 60 | -36.0% | $592.22 | $7,107 |
| 61 | -28.8% | $658.85 | $7,906 |
| 62 | -21.6% | $725.47 | $8,706 |
| 63 | -14.4% | $792.10 | $9,505 |
| 64 | -7.2% | $858.72 | $10,305 |
| 65 | 0.0% | $925.35 | $11,104 |
| 66 | 8.4% | $1,003.08 | $12,037 |
| 67 | 16.8% | $1,080.81 | $12,970 |
| 68 | 25.2% | $1,158.54 | $13,902 |
| 69 | 33.6% | $1,236.27 | $14,835 |
| 70 | 42.0% | $1,314.00 | $15,768 |
OAS timing (65–70)
Gross monthly OAS before clawback, with residency proration.
OAS timing table
Gross monthly/annual by start age (residency applied).
| Start age | Deferral | Monthly (gross) | Annual (gross) |
|---|---|---|---|
| 65 | 0.0% | $751.97 | $9,024 |
| 66 | 7.2% | $806.11 | $9,673 |
| 67 | 14.4% | $860.25 | $10,323 |
| 68 | 21.6% | $914.40 | $10,973 |
| 69 | 28.8% | $968.54 | $11,622 |
| 70 | 36.0% | $1,022.68 | $12,272 |
Frequently asked questions
- Is this my official CPP or OAS amount?
- No. Enter your Service Canada estimate (or a rough age-65 figure). Timing adjustments use published −0.6%/+0.7% per month for CPP and +0.6% per month for OAS deferral.
- How does OAS clawback work?
- When net income exceeds the annual recovery-tax threshold, OAS is reduced by 15% of the excess until fully clawed back. Thresholds are indexed; we use the 2026 constant in our data file.
- Is the GIS estimate exact?
- No. GIS uses complex tables and income definitions. Our figure is a simplified phase-out for education only — confirm with Service Canada.
Not financial advice. Educational estimates only, based on 2026 Canadian rules and your assumptions. Consult a licensed advisor or tax professional before decisions. Froogal is a mascot, not a licensed professional.