Maximum Benefit Amounts and Related Figures - Canada Pension Plan (2025) and Old Age Security (July to September 2025)
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| Type of benefit | Flat rate portion |
Earnings-related portion | Total |
|---|---|---|---|
| Retirement pension (at age 65) | not applicable | $1,433.00 | $1,433.00 |
| Post-retirement benefit (at age 65) Footnote 2 | not applicable | $49.39 | $49.39 |
| Disability pension | $598.49 | $1,074.75 | $1,673.24 |
| Post-retirement disability benefit Footnote 3 | $598.49 | not applicable | $598.49 |
| Survivor’s pension – younger than 65 | $233.50 | $537.38 | $770.88 |
| Survivor’s pension – 65 and older | not applicable | $859.80 | $859.80 |
| Children of disabled or deceased contributor benefit – under age 18 | $301.77 | not applicable | $301.77 |
| Children of disabled or deceased contributor benefit – full-time student | $301.77 | not applicable | $301.77 |
| Children of disabled or deceased contributor benefit – part-time student | $150.89 | not applicable | $150.89 |
| Death benefit (one-time payment) Footnote 4 | $2,500.00 | not applicable | $2,500.00 |
| Combined benefits: | |||
| Survivor/retirement (retirement at 65) | not applicable | $1,449.53 | $1,449.53 |
| Survivor/disability | not applicable | $1,683.57 | $1,683.57 |
Annual adjustment of benefits in pay in the previous year: +2.6%
| Exemptions and pensionable earnings | Annual maximum amount |
|---|---|
| Year's Basic Exemption (YBE) | $3,500.00 |
| Year's Maximum Pensionable Earnings (YMPE) | $71,300.00 |
| Year's Additional Maximum Pensionable Earnings (YAMPE) | $81,200.00 |
| Contribution details | Base + 1st additional contribution | 2nd additional contribution |
|---|---|---|
| Contribution rate for employee/employer | 5.95% | 4.00% |
| Employee/employer maximum contribution | $4,034.10 | $396.00 |
| Contribution rate for self-employed | 11.90% | 8.00% |
| Self-employed maximum contribution | $8,068.20 | $792.00 |
| Statistics | Total |
|---|---|
| Number of contributors (2022) | 15.5 million |
| Amount of contributions (2023 to 2024) | $81,642 million |
| Type of benefit | Maximum monthly amount Footnote 5 |
Annual
income level cut-off Footnote 6 |
Annual income level cut-off for top-ups Footnote 6 |
|---|---|---|---|
| Old Age Security pension (age 65 to 74) Footnote 7,Footnote 8 | $734.95 | not applicable | not applicable |
| Old Age Security pension (age 75 and over) Footnote 7,Footnote 8 | $808.45 | not applicable | not applicable |
| Guaranteed Income Supplement (GIS) | |||
| Single person who receives an OAS pension | $1,097.75 | $22,272 | $10,208 |
| Spouse/common-law partner of someone who: | |||
|
$1,097.75 | $53,376 | $20,416 |
|
$660.78 | $29,424 | $8,704 |
|
$660.78 | $41,184 | $8,704 |
| Allowance | $1,395.73 | $41,184 | $8,704 |
| Allowance for the Survivor | $1,663.81 | $29,976 | $10,208 |
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Related links
Quebec Pension Plan (QPP) data
Monthly statistics on OAS and CPP beneficiaries and benefits