Retirement Tool
When Should You Start CPP?
Slide between 60 and 70 to see how CPP timing changes monthly income, lifetime totals and break-even age.
CPP Timing Explorer
Explore your starting age.
Enter your estimated benefit, then move the slider to compare starting between ages 60 and 70.
Use your My Service Canada Account estimate. The starting amount is an example.
Enter a monthly amount from $100 to $5,000. Results will update once the amount is valid.
Standard age · 0%
Use the arrow keys to adjust by one year. Results update as you make changes.
Your estimated benefit
$0/ month
- Total received by age 80
- $0
- Total received by age 85
- $0
- Break-even age
- —
Compared with starting at 65
Illustrative amounts before tax, without inflation indexing. This comparison does not recommend a starting age.
Compare three starting points
Delaying CPP can increase monthly income, but the right timing depends on health, cash flow, other retirement income and personal circumstances.
Your report
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This explorer uses simplified Service Canada adjustment factors for educational purposes only. It does not include inflation indexing, taxes, GIS interactions, survivor benefits, credit splitting, or your actual CPP statement figures. It is not personalized financial, tax or retirement advice. Confirm amounts with Service Canada / My Service Canada Account and a qualified professional.