How much you could receive

Your statement of contributions includes:

• a detailed record of your CPP contributions and pensionable earnings
• an estimate of your CPP pension amount if you’re eligible to receive it now

Learn more about how to access your statement of contributions.

Get an estimate of your retirement income from the Canada Pension Plan, Old Age Security and other income sources.

Canadian Retirement Income Calculator

You qualify for a CPP post-retirement benefit if you’re:

• under age 70
• working while receiving your pension, and
• still making contributions

How the CPP post-retirement benefit works

• Each year you contribute to the CPP will result in an additional post-retirement benefit which will increase your retirement income
• We’ll automatically pay you this benefit in the year following your retirement
• You’ll receive it for the rest of your life

You can choose to stop your post-retirement contributions when you reach age 65. Your contributions will stop when you reach age 70, even if you’re still working. We will contact you if we need more information for you to qualify.

Credit splitting allows you to split your CPP contributions equally between you and your spouse or common-law partner if you separate or divorce.

If you work after age 65 and haven’t started your CPP pension, we may use those earnings to replace any low-earning periods before age 65. We will only include these earning if it increases your pension amount. Your contributions will stop when you reach age 70, even if you’re still working.

If you have years of low or no earnings, we can maximize your CPP pension by:

• excluding up to 8 years of your lowest earnings (when calculating the CPP base component )
• using your best 40 years of earnings (when calculating the CPP enhanced component )

If you work after age 65 and haven’t started your CPP pension, we may use those earnings to replace any low-earning periods before age 65. We will only include these earning if it increases your pension amount. Your contributions will stop when you reach age 70, even if you’re still working.

You may have taken time off from work or worked less to look after young children. If you had low or no earnings during that time, the child-rearing provisions may increase the amount of your CPP retirement pension. They may also help you qualify for other CPP benefits.

If you received a CPP disability pension, we can maximize your CPP pension by:

• excluding the months you received a disability pension (when calculating the CPP base component)
• including credits for the time you were disabled, worth 70% of your average earnings from the 6 years before you became disabled (when calculating the CPP enhanced component)

This protects the value of your benefits from the months you had a lower income while receiving the CPP disability pension. It will increase your retirement pension as well as the survivor’s pension for your spouse or common-law partner. It may also help you qualify for other benefits. We will do this based on information we already have. You do not need to apply.

You can share your CPP retirement pension with your spouse ro common-law partner. Pension sharing can lower your taxes in retirement by decreasing your taxable income.