Home / Tools / CPP Calculator

Government benefits

CPP Calculator

Compare CPP timing and use it as part of a bigger retirement income decision instead of treating it like an isolated choice.

Estimate CPP Read CPP Basics
CPP 2 min Timing decision

Why CPP timing matters

Starting CPP earlier gives you more years of payments but lower monthly income. Delaying CPP can raise later income, but it often means relying on more of your own savings first. The best choice depends on the rest of your plan.