Government Benefits

CPP payments: How much will you get from Canada Pension Plan in retirement?

CPP payments: How much will you get from Canada Pension Plan in retirement?

Canada Pension Plan (CPP) is one of the cornerstones of retirement income planning. Here are the maximum benefits at age 65:


Don’t count on the maximum

When planning for retirement, the first piece of advice I give is not to plan on getting the maximum. When you look at the average CPP payment, it’s just a little over $640 per month, which is a long way from the maximum. In other words, not everyone gets the maximum. At the most basic level, the amount you get from CPP depends on how much you put into CPP.

The best way to figure out how much CPP you qualify for is to get your CPP statement of contributions. Call Service Canada 1-800-277-9914 and ask for a CPP Statement of Contributions. They will provide you with access to your online statement.

How to get the maximum?

Why is it that so many people do not qualify for the maximum amount of CPP? The best way to answer that is to look at how you get the maximum retirement benefit. Eligibility to receive the maximum CPP benefit is based on meeting 2 criteria:

  1. Contributions – The first criteria is you must contribute into CPP for at least 83% of the time that you are eligible to contribute. Essentially, you are eligible to contribute to CPP from the age of 18 to 65, which is 47 years. 83% of 47 years is 39 years. Thus, the way I like to look at CPP is on a 39-point system. If you did not contribute into CPP for at least 39 years between the ages of 18 to 65, then you won’t get the maximum. If so, then you might get the maximum but there is another consideration.
  2. Amount of contributions – Every year you work and contribute to CPP between the age of 18 and 65, you add to your benefit. To qualify for the maximum, you must not only contribute to CPP for 39 years but you must also contribute ‘enough’ in each of those years. CPP uses something called the Yearly Maximum Pensionable Earnings (YMPE) to determine whether you contributed enough. Here’s the YMPE figures for the current and past years:
    • YearYMPE
Basically if you make less than $55,900 of income in 2018, you will not contribute enough to CPP to qualify for a point on the 39-point system. For those of you that make more than $55,900, you will probably notice that part way through the year, your paycheques will go up a little. This happens because you have paid the maximum amount of CPP for the year and no longer have a CPP deduction.
As you can see, it’s not easy to qualify for full CPP especially with the trend of people entering into the workplace later because of education and people retiring earlier.

Related article: New CPP Rules are here

The easiest way to figure out your CPP eligibility is simply get your CPP statement of contributions. Once you have that document, it will list all the years you are eligible to contribute from age 18 to 65. It will show you how much you contributed in each of those years. If you contributed the maximum, it will have the letter ‘M” assigned for that year. All you have to do is add up all the M’s to see if you are eligible for the maximum. If you have 39 M’s you’ll get the maximum. If you have 20 M’s you will get approximately half the maximum (you might get some partial credits for part years).

Planning your retirement needs and income requires some understanding of how much you will get from CPP. Many people either assume they will get the maximum or assume they will get nothing at all because they fear the benefit may not be there in the future. Both these assumptions have significant flaws. Take the time to personalize the planning by understanding how the CPP benefit is calculated and how much you will receive.

Here’s an article give you a more detailed calculation on How to Calculate Your CPP Retirement Pension

For more information on CPP and other government benefits, check out my ONLINE GUIDE to CPP And OAS


  1. Doug Runchey

    Hi Ginger – You should definitely be eligible for a CPP retirement pension, and you may also be eligible for an OAS pension under the Canada/France social security agreement. Check out this weblink:

  2. Donna Alexcee

    I have a question, when a person turns 65, has never worked in his/her life, would they be eligible to collect pension and how much will he/she get

    • Doug Runchey

      Hi Donna – If a person has never worked in Canada, their CPP at age 65 will be zero.

    • Moss

      Certainly no CPP but there would be OAS. And depending on your spouse’s income and whether you had other income, you may be also eligible for GIS

    • Jacqueline Conway

      Hi, I am turning 60 this September , lived in Canada since 1972, started working 1978, till just last year, however i raised a son was on low income at different times, currently receiving CPP Disability and a small supplement from ODSP, have only had a job that paid minimum wage, my question is it worth it to stay the way i am and wait to collect CPP till i am 65 or get it now at 60

      • Doug Runchey

        Hi Jacqueline – That would be a very poor decision from a CPP perspective, but it’s not even a choice that you really have if you’re still disabled.

  3. Wendy

    I worked from 18 years to 48 years and contributed to CPP but have not contributed for 11 years now (57 years) Is the CPP statement income accurate? .. since my income last 11 years has been zero? Because so many years have passed will the estimate be based on the projection of zero income in the future?

    • Doug Runchey

      Hi Wendy – No, the CPP estimate won’t be accurate. It “pretends” that you’re eligible now, which has the same effect as projecting your current lifetime average earnings through until age 65.

      • Kevin Lup

        Hi Doug,
        I have a question, I only worked 7 years and contributed CPP(about income 8,000/year)between 2006 to 2016. And I am 49 now and don’t think I will be working until retirement, How much minimum cpp benefit I could receive when I turn to 60 years old? Also how about 65 years old?
        Thanks a lot,

        • Doug Runchey

          Hi Kevin – Based on these limited earnings, you could receive a monthly CPP of approx. $26 at age 60 or approx. $36 at age 65.

        • Anthony Norman

          Hi I played Canadian football from 1980 till 1986….I’m and American…I’m I eligible to receive benefits since I’m 65 how….

          • Doug Runchey

            Hi Anthony – Did you and your family move to Canada and reside here fulltime for those six years, or was your primary residence still in the USA during that time? Did you pay income tax in Canada and/or USA? Did you make CPP contributions on your CFL earnings?

          • Abdalla

            I lived and worked in Canada between 1989- 2001 and 2004-2006. I contributed to CPP and paid all the necessary taxes during the periods. I then left Canada in 2006. I’m now 63yrs old living in Kenya. Do I qualify for CPP and how do I access it.

          • Doug Runchey
        • Lorna

          Hi, I am still working & 60 & plan to until maybe 64 or 65. My friend said if you are still working , still contributing to CPP it is better to get it out now opposed to 65. Her logic was that it will continue to increase because you’re still contributing & you will have that usable income now to pay off bills & or invest. So in those 5 yrs you could potentially save/use 40,000 while you’re still healthy . Then because you’re still working it won’t adversely affect it as much when you do retire at 65. What do you think?

          • Doug Runchey

            Hi Lorna – If your friend’ point is that the PRBs that you will earn after you start receiving will make up for some of the reduction for taking your CPP early, she’s not wrong but without knowing your actual numbers, how can you choose wisely. Email me at [email protected] if you want to know your numbers (for a fee).
            Yours truly, Doug.

    • Randy zaparaniuk

      Hi Donna can you take your cpp at 55 because of dissability I contributed 33 years max

  4. Denis

    Hi Jim, my question. I retired at 55 and don’t plan on collecting CPP until 70. Willi I be penalized for 15 years of zero contributions as part of the calculation? I did have 35 years of max contributions. If I am penalized at which age should I collect? Thanks

    • Doug Runchey

      Hi Denis – You will definitely not be penalized for the 5 years of zero earnings between age 65 and 70, because those 5 years can all be dropped out under the “over age 65 dropout” provision. Similarly, you can drop out 8 of the 10 zero-earnings years from age 55 to age 65 under the 17% general dropout provision. Unfortunately, that means that the other 2 years of zero earnings will reduce your CPP calculation somewhat.

  5. Yeah right

    I have a hard time believing that 20 M’s and 19 more years of contributions that fall just shy of maximum, would knock you down to half of maximum payout.

    • Doug Runchey

      Yeah you are right. Who ever said that would happen?

    • Jeff Johnson

      Hi Doug. I had 32 M years and 2 S years. I am now 57 but will not collect CPP until 65. I assume my estimate on the my service account is inaccurate. With what I cited above what approximately based on 2020 dollars will be my CPP payable at 65. Thanks Doug. JJ.

      • Doug Runchey

        Hi Jeff – Calculate what % of the YMPE each of your “S” years are and add those to your 32 M years. Divide that total by 39 and multiply the result by the 2020 maximum pension value of $1,175.83. The result is your answer. Oh, and unless you were born in December, if you had any earnings in the year that you turned age 18, the value of that year must be pro-rated based on how many months in that year were after your 18th birthday.

  6. Javier

    But you have to consider that in order to be paid CPP when living outside Canada, you would have had to contributed for at least 20 years. I see that by working in the embassy -which is considered Canadian territory- you could claim those 10 years, but not more.

    • Doug Runchey

      Hi Javier – That is totally false! CPP benefits are payable anywhere in the world with no restrictions on how many years of contributions someone has. It’s OAS that is only paid outside of Canada if someone has 20 years of residence in Canada after age 18.

  7. Alan Hodgson

    He can get some portion of OAS at 65. OAS is available to everyone, although you have to have lived in Canada for 40 years after the age of 18, and for the full 10 years before you apply, to get the full amount.

    There’s also a fairly generous low-income supplement if that’s all he’s getting, but I don’t know the full criteria needed.

  8. Alan Hodgson

    You don’t get anything if you come here at 67 as a sponsored immigrant. Except free medical care, which could be significant.

    Even GIS won’t pay you anything until you’ve been here 10 years

  9. Alan Hodgson

    You don’t qualify for anything until you’ve been here at least 10 years, afaik.

  10. Moss

    Jim or Doug; please correct me if I’m wrong…

    Sara Fred. If your dad became a permanent resident or citizen in 2002 and lived here during all that time then that is 17 years of residence in Canada. 17 years qualifies him for partial OAS of 17/40ths of the maximum which comes to an additional $258.17 making his total now $327.93

    Then if his total taxable income (not including OAS) is $69.76 monthly / $837.12 yearly, he qualifies for GIS to top up his OAS from $327.93 to $1,495.71 monthly.

    Then add in the CPP of $69.76 and the monthly total is $1,565.47 including CPP, OAS and GIS.

    These numbers are for a single person.

    • Doug

      Hi Moss – You are 100% correct!

      • Gemma

        Doug. How can this be correct if the supplement is $914? For single person?

        • Doug Runchey

          Hi Gemma – The maximum that you’re quoting only applies to someone receiving the “full basic OAS”, or 40/40ths. People receiving partial OAS receive more GIS.

        • Lorraine

          I was in a car accident three years and have not returned to work since and probably won’t be able to work. I’m 57 , will I be penalized for this!

          • Doug Runchey

            Hi Lorraine – If you are unable to work as a result of the accident, you should apply for CPP disability. If not, your CPP retirement pension will be lower at age 65 than it would have been if you had continued to work until then.

  11. Jamie

    Hi, I retired a couple of years back at 62 with a company pension, I have not taken CPP yet, my intention is to take it at 65. At the time of my retirement I had previously always paid max to CPP and thus I believe I am in line for the max payments at 65 (as far as I can tell from the Services Canada website). However after retiring I did take a part time job at $20k a year which I am still working at … I am wondering if this can have any negative affect on what I can receive at 65?


    • Doug Runchey

      Hi Jamie – If you have 39 years or more of max earnings/contributions, you will receive a max CPP (excluding the enhanced) regardless what you earn between age 62 and 65. If not, 20K earnings are better than zero earnings.

  12. Ginger

    I am back to this forum since I’ll be 65 years old in January 2021and I’d like to apply, if eligible, for CPP and/or OAS. As a reminder, I was Canadian resident and worked in Toronto between 1988-1990 and since then I’ve been living in France (French citizen). I’d like to know the appropriate entry point to the Canaddian administration handling these issues, so that to know if I am eligible, for what plan(s) and, if case, to advise the follow-up. I’ve searched for an email contact but failed to find one. Would you kindly give me a hand? Many thanks

  13. Steve Bridge

    Ed, YES! Wait until 70, much smarter.

  14. Mark Biddle

    I took my CPP at age 60, after 40 years of paying maximum, I am getting $849 a month but am still working so now I have a secondary contribution building up, I am still paying the maximum, I have been contributing to this secondary for 1 year and 3 months, and will contribute maximum for the next 2 years.
    Is there anyway to calculate this secondary contribution payment?

    • Doug Runchey

      Hi Mark – You should receive a post-retirement benefit (PRB) for each year that you contribute after you started receiving your CPP. Depending on when your CPP first started, it sounds like you should already be receiving a PRB for any 2018 earnings after you started receiving your CPP. Read this article if you want to better understand PRBs:

  15. Mike

    I grossed $67,000 from Jan -Jun, before retiring Jul 1; I noticed both my CPP & EI premiums deducted at source were already at the max ( I.e. for tax deduction purposes);
    Shouldn’t it be prorated (i.e. 50% of max.)?
    – and can I claim ‘overpayment’ of such on my tax return?

    • Doug Runchey

      HI Mike – I can’t comment on your EI deductions, but the only way that you will get a CPP refund would be if you turned age 70 in June.

  16. Sharon Heading

    I turn 65 this year. Can I choose to start receiving my pension at 67 or 68?

    • Doug Runchey

      Hi Sharon – Yes, you can defer your CPP until as late as age 70.

      • Hajzer Tafilaj

        Hi Doug… my question is when i turn 60 i will complet working in canada 21 yrs so for a about 10 yr my income was about $40.000 a yr and last 4 yr is $ 53.000 a yr .. so will be contribution cpp for about 21 yr.. so how much about i wil be geting cpp when i turn 60 .. thx

        • Doug Runchey

          Hi Hajzer – Figure out how many “max equivalents” your 21 years of earnings equal. Let’s pretend they total 15 max equivalents. If you take your CPP at age 60, it will be based on your best 35 years (ignoring the enhanced CPP for now). Using your 15 max years, your CPP at age 60 will be approx
          15/35 x $1,175.83 x 64% = $322.51 monthly.

  17. Patricia Mather

    Hi Doug, I’m self employed and I have been paying into CPP. late last year I turned 65 I’m now collecting CPP is it best to continue to pay in or should I opt out now? Self employment income is about $30,000 a year.
    Thank you

    • Doug Runchey

      Hi Patricia – In my mind, if you’re self-employed the ROI for PRBs is not very good. In 2020, self-employed earnings of $30,000 would require a contribution of $2,782.50 for a monthly PRB of approx. $18, meaning that you would “breakeven” in approx. 13 years.

  18. johnathan

    I am 49 yo. I contributed in the past on sporadic jobs. At the present, my yearly income is less than $15000. Is there a way a can contribute to my own CPP how and how much yearly, to gain some benefit at retirement time?

    • Doug Runchey

      Hi Johnathan – No, you can only make CPP contributions on valid earnings from employment or self-employment.

  19. Dave Dolman

    I am 65 and contributing $73.00 per month to CPP my PRB notice tells me I am entitled to $22.60 is it worth it to continue contributing

    • Doug Runchey

      Hi Dave – Do you expect to live for at least another 3.2 years? If so, it appears from your numbers that you will have recovered your contributions by then and you’ll be ahead by $271.20 each year that you live past then. Do you know of anywhere that you could get a better ROI?

  20. Yolanda


    I am not sure if it is correct, my friend won $50000 from a lottery and she retired. She told me that she was not given the pension(not sure which one) because she still has money in the bank. Another question, if you have a house, you will not be eligible for a guaranteed supplement, Is it true you have to sell your house before you reach 65 to avail of the guaranteed supplement? Thanks.

    • Doug Runchey

      Hi Yolanda – Neither the CPP nor OAS pensions would be affected by a lottery win, and there is no truth to the story that you have to sell your house in order to receive GIS (guaranteed income supplement).

  21. Cres Bolusan

    I am now receiving CPP next year I am planning to apply social security spousal benefit at age 62. Can i collect both CPP and Social Security Benefit.

    • Doug Runchey

      Hi Cres – You certainly can as far as CPP is concerned, but it’s possible that your social security benefit will be reduced partially under the Windfall Elimination Provision (WEP) because of the CPP that you’re receiving.

  22. Nancy

    I started to contribute from 2012 and plan to stop in 2021. I will contribute 9 full year with maximum contribution per year. My earning is from 75K to 95K. Am I qualified to apply CPP at 65? And how much can I receive monthly? Thanks

    • Doug Runchey

      Hi Nancy – Your CPP at age 65 would be approx. $285 per month.

      • Nancy

        Thank you Doug. If I only contribute 9 years, am I qualified to apply CPP? I heard that contributions must be accumulated to 10 years? Do I need to contribute 10 years? Thank you

        • Doug Runchey

          Hi Nancy – No, you only need 1 year of CPP contributions in order to qualify for a CPP retirement pension.

  23. Nenita Sevilla

    Hi, Doug, I have work for 34 years and have been contributed cpp ever since ,I will be 57 and will retire as of March 2021. Therefore, am no longer contributes CPP at that point. When I turn 60. I plan to start to collect CPP . Is it wise for me to do so? Or should I wait till 65. And Can I still continue to contribute. Thank you.

    • Doug Runchey

      Hi Nenita – The answer as to whether you should take your CPP at age 60 or age 65 depends on a number of factors. For my thoughts, read this link:

    • sheryl

      I am 32 years old and worked and contributed to CPP in Canada for 3 years and a half I am not coming back to Canada but I am a Canadian Citizen. I went back home to the country I was born. Would I still get a pension at age 60?

      • Doug Runchey

        Hi Sheryl – Yes, and if your earnings were at the maximum for each of those 3 1/2 years your CPP retirement pension at age 60 would be approx $70 per month.

  24. Quratulain Sherazi

    Hi ! My husband is Canadian citizen he has worked in Canada (Quebec) for 10 years currently he’s age 55years ,he’s partially disabled living outside of Canada . Will he get pension and could he apply early pensioners benefits based on disability ? Thank you

    • Doug Runchey

      He may be eligible for a disability pension from QPP, but that depends on how disabled he is and when he last contributed to QPP (or possibly in whichever country he is currently living). If he doesn’t qualify for a disability pension, he would have to wait until at least age 60 before he can receive a retirement pension from QPP.

  25. Kelly Younker

    I am now close to 63 and have worked high paying jobs since I was 19 so I believe I will be eligible for the maximum when I hit 65. Waiting longer would be of no benefit if I am already going to get the maximum. Is this correct?

    • Doug Runchey

      Kelly – If you apply to start your CPP earlier than age 65, you can never receive “the maximum”, because it will be reduced by 0.6% for every month that you take it early. So you can receive as much as 85.6% of the maximum if you take it at age 63 or you can receive 100% of the maximum if you wait until age 65.

  26. Euje

    Hello i am receiving cpp survivors pension since the aged of 30 from my deceased husband that contributed CPP.I am living here in Philippines.Will i be also qualify for CPP MOnthly benefits when i turn 60 yrs. Old.Even i didnt got a job in Canada.Thank you.

    • Doug Runchey

      Hi Euje – No, if you never worked and contributed to CPP, you will not qualify for any CPP retirement benefits when you turn 60 years old.

      • Kelly Baird

        Hello I have paid into cpp for 32 years and this year became self employed, still paying into cpp. Will I still be eligible to receive the benefit at age 65?

        • Doug Runchey

          Hi Kelly – Yes, you will still be eligible to your CPP at the same age and based on your average lifetime earnings, including your self-employed earnings.

  27. Alan

    I am 58 years old and have been working for 2 years with a work permit(came to Canada at 56). I am American, my wife is Canadian. If I be come a Permanent Resident, lets say by 60, when it comes to retirement benefits (OAS, CPP) when they calculate my years of residency to qualify for benefits, will they count the years that I resided and worked prior to obtaining the new status? I ask this because besides Social Security from the US, I will need a supplement retirement benefit from Canada. I plan to work til 70 btw. I think you get the gest of what I’m getting at. Will I qualify and approx how much can I expect after putting in at least a decade or more of residency and work? Thanks in advance!

    • Doug Runchey

      Hi Alan – For OAS, each year that you reside in Canada is worth approx $15 per month at age 65. Those first two years probably won’t count as residence,, unless you can establish that it was always your intent to remain permanently in Canada. For CPP, each year that you worked and earned the YMPE is worth approx $30 per month at age 65 or approx $42.60 per month at age 70. Starting with 2023, these amounts increase to approx $40 per month at age 65 and approx $56.80 per month at age 70.

  28. Alan

    Thanks Doug, I’m still a bit hazy with the numbers. Based on 10 years residency from 60-70, can you give a ballpark total estimate of benefits between OAS and CPP if I keep working til 70? I earn 50K. I need to add whatever I can to future to American SS. Thanks.

    • Doug Runchey

      Hi Alan – OAS would be approx $150 per month and CPP would be approx $350 per month.

  29. G Dwarika

    Hi, Your information is very helpful. I have an additional question. I contributed for 30years until 50. If I don’t contribute for the next 10years how much will I collect in CPP at age 60.

    As well is this a question Service Canada have the answer to?

    Thanks for your response.

    • Doug Runchey

      Hi – If you contributed at the maximum level for all 30 of those years, your CPP at age 60 will be approx $645 (in 2020 dollars). If not, it will be proportionately less than that amount.

  30. sandra

    hi i will be turning 65 in 2021, i have lived in canada for 46yrs now (cdn citizen), back in 2014 i was put on cpp and pwd (bc pension), i have been working for 40years with a few years off for raising my 2 children. just trying to figure out how much i will be getting. because of the breach, i cant get the info i need right now. However much i do get i will for sure have to get a part time job to live. when i did work i worked full time, but i did go part time 2 yrs ago, had to quit finally as to hard on me. Thank you, not sure if this asks the right questions or not. well i have a year to figure it out somehow.

    • Doug Runchey

      Hi Sandra – I’m a little confused. You said that you have been receiving CPP (presumably disability pension) and Provincial PWD since 2014, but you also indicate that you only reduced from fulltime to part-time work 2 years ago. Those things seem incompatible. Can you clarify?
      If you are receiving CPP disability, what is the current monthly amount?

  31. Shady Khoury

    Hi Doug, thanks for your valuable information. I am Canadian citizen who lived in Ottawa for 4 years (since birth) then moved to Dubai with my parents. Since then I’m still outside Canada and currently working in Dubai, United Arab Emirates. What is the best way to be eligible for CPP and OAS when I turn 65? I’m married with kids and there is no plan to move back to Canada in the near future, I am thinking of buying a property in Ottawa and rent it out but honestly not sure how it is an advantage for CPP. I would really appreciate your expertise in this regard!

    • Doug Runchey

      Hi Shady – The only way to become eligible for CPP will be for you to work in Canada and to pay CPP contributions on those earnings. The only way to become eligible for OAS is to reside in Canada for at least 10 years (less if qualifying under an international social security agreement) after age 18.

  32. Shady Khoury

    Thank you Doug for the prompt response! Buying a house in Canada and renting it out (and paying taxes from earnings) while living abroad does not qualify for CPP? if we decided to return permanently to Canada at age of 65, does that qualify for OAS? Apologies for asking much but got a bit confused whether I should buy a property or start paying taxes while living abroad to be qualified for CPP and found this thread so helpful…

  33. Alan Black

    I’m 62 and plan to start drawing CPP at 65. I’ve been watching my estimated benefit on the gov’t site and it’s been rising approx. $7 each month since I began checking in July 2019. The amount has grown from $826 then to $931 now and will obviously be well over $1,000 when I hit 65. How much tax would be deducted from both CPP and OAS (so I have an idea of the net). Thanks.

    • Doug Runchey

      Hi Alan – No taxes will be deducted from either your CPP or your OAS unless you request a deduction. In that case you can request either a set dollar amount be deducted or a set percentage from either or both benefits.

      • RC

        Hi Doug,

        I am 63 planning to retire in the next few years. I check the estimated CPP benefits on the govt’s site now and then. But it always stays static and doesn’t appear to increase every month as the other poster has mentioned, though I’m still working and contributing. What could be wrong in my case?Thanks in anticipation for your reply.

        • Doug Runchey

          Hi RC – Which amount isn’t increasing? Is it the age-65 amount or the “next month” amount?

  34. Edward Dooley

    I lived and worked in Australia for 8 years between 2007 to 2014 I have chosen to take my CPP at Age 60 (2020) and paid into CPP since 1978. Is there any way I can have the years I did not pay into CPP, between 2007 to 2014 , acknowledged due to any social agreement between Canada and Australia as while a citizen of Australia I paid yearly income tax to The Australia Tax office?

    • Doug Runchey

      Hi Edward – The short answer is “Yes”. Read this for the longer answer:

      • Edward Dooley

        I contacted Service Canada International Services Section regarding social benefits between Countries and this agreement does not apply as I would have to had worked and contributed in Canada, thus the years i lived and paid taxes in Australia cannot be used to replace to 8 years I did not pay into CPP here in Canada.

        • Doug Runchey

          Hi Edward – My apologies for my previous answer. I must have misread your question somewhat. What I really meant by my “Yes” answer was that you should be able to use the Canada/Australia agreement to qualify for a benefit from Australia for those 8 years of contributions to the Australian social security system.

  35. Lawrence Huff

    I have been working since I was 18 years old. I am now 60 years old. I have never come close to max’ing out my CCP payments. I would guess that the best income years were about $37k. I am struggling with finances and thinking of applying for the CCP. Do you know what the payment could be. I will also be working until at least 70.

    • Doug Runchey

      Hi Lawrence – I wouldn’t want to even try to ballpark the amount of your CPP based on the information provided. Call Service Canada at 1-800-277-9914 and they can easily give you an accurate estimate for your CPP at age 60.

  36. Hiscockova

    What is the monthly pension if you have worked for only 6 years in Canada but have lived for more than 10 years?

    • Doug Runchey

      If your earnings in each of those 6 years were at the maximum (YMPE) level, your CPP retirement pension at age 65 would be approx $180 monthly. If less than the YMPE, in would be proportionately less.

  37. Belma Lubura

    Hi. I’m 49 and now living outside of the country. I have worked for 20 years in Canada. I have contributed maximum due to mu ex husbands Extra CPP that was transferred to me to top up my CPP to maximum .I,also lived in Canada for over 20 years. I will not be working any more and my last 3 years were zero income.If I retire at 60, how much will my pension be ?

    • Doug Runchey

      Hi Belma – Based on your info provided, your CPP at age 60 would be approx $390 CAD per month.

  38. Ken

    Hi Doug ,
    I moved to US in 1993 at 33 years old. I worked in Canada since 18. I’m a US citizen now and about to collect social security at 62. Would my CPP be worth collecting or do I just stick with my 27 years US employment for SS. I understand my SS could be reduced because of CPP. What would it be approx with 15 years working approx 35-45k yearly.
    Thanks, Ken

    • Doug Runchey

      Hi Ken – 35-45K in those years would have been over the YMPE, so 15 years of maximum earnings/contributions would be worth approx $452 per month at age 65. If you want to take it earlier than age 65, reduce that amount by 0.6% for every month early up to a max reduction of 36% at age 60. If you want to take it later than age 65, increase that amount by 0.7% for every month late up to a max increase of 42% at age 70. Your US SS will likely be reduced minimally under the WEP, but you would definitely still be ahead by receiving CPP.

  39. Bernie

    I am 51 years old and have worked full time for the past 27 years contributing the max amount to CPP. I have just been approved for LTD from my companies private insurance. They recommend applying for CPP disability as well. Would this be beneficial to me?

    • Doug Runchey

      HI Bernie – Yes, if you’re not working due to your condition, it is much better from a CPP perspective to be receiving a CPP disability pension, rather than just having zero earnings years.

  40. Jo-Anne

    Hi! I’m 47 and not retiring for a while. I am curious about CPP & my tax returns. I have not maxed out on my CPP contributions yet I get a small amount (about $50) of CPP overpayment declared on my tax returns. I’d rather that money stay in CPP. How do I have CPP overpayment when I haven’t maxed it out? Thanks!

    • Doug Runchey

      Hi Jo-Anne – Your employer must have withheld more than they should have, from one or more paycheques. If you don’t have extra earnings to go along with the over-contribution, leaving the over-contribution with the CPP fund wouldn’t increase your CPP benefit anyway, so you should claim the refund of over-contribution.

  41. David G

    Hello. A question about the OAS. My wife immigrated to Canada in 2000 and has been a citizen since 2003. She will have lived here for 33 years on her 65th birthday, so would receive 33/40 of the full benefit if she elects to receive the OAS @ 65. If she were to delay payment until age 70, the monthly payment increases by 36% (0.6*60 months), but would the payment still be based on 33 years? Or would it be based on the 38 years she will have resided in Canada at age 70?

    • Doug Runchey

      Hi David – Any delay past age 65 can count as additional residence OR the voluntary deferral increase, but not both. At age 70, she could choose either 38/40ths OR 33/40ths with a 36% increase.

      • David G

        Thanks so much for the quick reply Doug. Is any of this info avalable on the website? I find they only have the most basic information available.

        • Doug Runchey

          Hi David – I agree that the level of detail on the website is very basic, which is why I generally use the OAS legislation as my source.

          • David G

            Wow… I just had a look at that link – and the similar one for the CPP. Who would have thought legislation could be so convoluted? I guess that’s why we look to the experts for these questions. Thanks again Doug. I now have some reading material to fill these long winter days.

  42. Bryan

    I’m 65 years old in 10 months, and will receive the maximum monthly CCP benefits of 1,203.75. The CPP benefits @ 64 years of age, was 1,117.08.
    If I apply now, 10 months before the age of 65 would my monthly pension maximum be reduced (for every month before 65) by 0.6 %. ?

    Thanks Doug ….

    • Doug Runchey

      Hi Bryan – Yes, that is correct.

  43. Erik B

    I have worked and contributed to CPP since 1982 , with 6 years hitting the max contribution and others close to maxing out .
    I’m am 56 and currently collecting a Survivor benefit ,
    When I look at my CPP statement it shows that I will get $1050 a month in CPP benefits .
    Does this amount already factor in My Survivor Benefit or not ?
    Or could I collect at 62/63 and still max out ?

    • Doug Runchey

      Hi Erik – NOBODY UNDERSTANDS HOW THIS WORKS!! Especially not Service Canada frontline staff!!!!!!!!!

      While it is true that you can receive “the maximum” combined retirement/survivor’s pension if you apply for your CPP retirement pension before age 65, it will ALWAYS be recalculated when you turn age 65 and it will NEVER be at “the maximum” amount from age 65 onwards. Depending on the amount of your survivor’s pension, it will almost always be best to take your retirement pension either at age 60 or wait until age 70. Taking it at any other age is rarely the best decision in terms of total dollar payout regardless how long you live.

      Read this article to understand better:

      You should fully understand your choices and you will NEVER get the right numbers from Service Canada frontline staff. If you request the numbers in writing, you will (almost always) get accurate numbers. but you will NEVER get all of the numbers that you need. They will (almost always) tell you how much you will get if you take it at age 60, but they will NEVER tell you how much that will be recalculated (read reduced) to when you turn age 65. Do you want to take what’s behind curtain #2 without seeing it?

      Do you want to have accurate numbers with all of the information you need? If so, email me at [email protected]. My fee is $90 plus GST, but it will be the best $94.50 you ever spent!!

  44. Richard

    Hi Doug, I’m currently 58 years old and have been receiving a company pension for the past 9 years. I have been working and maxing out cpp contributions each year since, therefore I will max out if I decide to draw CPP at 60. My question is what is the max under these circumstances at the 36% reduction (I read an earlier response that confused me) and is this applied to my annual income and taxed? Also when can I apply for OAS and what can I expect to receive given all of the above info? Thanks, very much appreciated!!

    • Doug Runchey

      Hi Richard – The max for age 60 would simply be 64% of the max for age 65. OAS is payable at age 65 (at the earliest) and is $615.37 per month if you have lived in Canada for at least 40 years after age 18.

  45. Sam


    I worked 13 years in Canada, an average yearly income around 35000. I plan to take cpp at 6o

    How much will i get roughly ?


    • Doug Runchey

      What 13 year period are we talking about?

      • Satheesan Narayanan Nair

        13 years I worked and contribute CPP from 2007 t0 2020

        • Doug Runchey

          Based on this limited info, I would guesstimate your CPP at approx $215 per month at age 60.

  46. Lisa Harmon

    Your article says “To qualify for the maximum, you must not only contribute to CPP for 39 years but you must also contribute ‘enough’ in each of those years. CPP uses something called the Yearly Maximum Pensionable Earnings (YMPE) to determine whether you contributed enough.” What does this mean? How many years do you need to max out on the YMPE in order to receive the maximum benefit? Do you need to contribute the max for 20 years, 25, 35 or more?

    • Doug Runchey

      HI lisa – It means exactly what it said, You need 39 years of maximum earnings (at the YMPE) in order to guarantee receiving a maximum retirement benefit at age 65 or beyond.

  47. Bev

    Someone may have asked this question already but does CPP take into consideration the number of years a person would be a stay-at-home parent to raise children also, if your spouse has more than 39 points can they give you their extra points?

    • Doug Runchey

      Hi Bev – Yes, there is a child-rearing provision (CRP) that considers any low or zero-earnings years while you have at least one child under age 7.

      No, there is no “sharing” of excess CPP credits between spouses.

      • RC

        Hi Doug,
        If the mother started working and contributing to CPP much later than when the youngest child turned 7 (meaning didn’t work before, during or immediately after when children were age 0-7) is she still eligible for the child rearing provision when she applies for CPP.

        • Doug Runchey

          Hi RC – As long as she was living in Canada and eligible for the FA/CTB for the child(ren), when she started working does not impact eligibility for the CRP.

  48. Michael

    I have contributed the maximum for 39 years. Next year I will be contributing the maximum again. As 40 years does not increase your pension over what I would receive at 39 years, why do I need to contribute any more?

    • Doug Runchey

      HI Michael – The short answer is because you have to keep contributing until age 65 regardless how many years of maximum earnings/contributions you have. The slightly longer answer is now that we are in the period of the “enhanced CPP”, every year of maximum earnings/contributions for the next 40 years will increase your CPP by at least the enhanced portion.

  49. Paul

    Hi I was wondering how deferred compensation works with cpp. I receive payments for two years after I retire. There is cpp and Ei removed from the payment. The cpp is at the maximum. Does this mean it qualifies as a full year entitlement even though I physically didn’t work.

    • Doug Runchey

      Hi Paul – If you made valid contributions on legitimate earnings, then Yes that year counts the same as any other year of max earnings/contributions.

  50. Theresa Fahl

    If I have paid my CPP since 1974 and have not worked for the last 6 years can I pay up the max for those last 6 years? I have had income from rental property but the accountant never took CPP for those amounts. I still collect rent on one condo.

    • Doug Runchey

      Hi Theresa – You can only make CPP contributions if you have income from employment or self-employment, not rental income.

  51. Ema Marquez

    Hi Dough,
    I’m 57 Canadian Citizen working and contributing CPP for the last 15 years with average income of $40.000 year. What kind of pension I should get if I keep working till I’m 65?

    • Doug Runchey

      Hi Ema. Roughly speaking, if you had 39 years of earnings at the maximum level ($61,600 for 2021) your CPP at age 65 would be approx $1,200 per month. That means that if you have 23 years of earnings averaging 2/3rds of the maximum, your CPP at age 65 would be approx $470 per month ($1,200 x 2/3 x 23/39). This formula covers the basic portion only, and your “enhanced CPP” might be an additional $50 or so.

  52. Sara

    Hi Doug,
    I am 47 y old Canadian Citizen, working for the past 11 y. My salary for the past 3 y is about 53k, before that was in 40k range. if i keep working until 65 what kind of income I could count on? Cpp? Oas? Gis? Thanks

    • Doug Runchey

      Hi Sara – This type of consultation requires a fee of $50 plus GST. If you’re interested, email me at [email protected]

  53. Mike

    Hello I have worked 30 years in the auto industry.I have contributed the “M” maximum CPP contributions for 28 years according to my Canada Earnings Contributions page I printed out from Service Canada. I was forced (Plant Closure) to retire at age 50. I am now approaching 58 years of age and “have not” contributed to CPP since! My question is “how much” CPP would I be entitled to at age 60 or 65 if I still do not plan to work? I feel Service Canada are very inaccurate claiming I could get $741.37 a month at age 60 and $1,158.40 at age 65 Any help or insight would be greatly appreciated Thanks Mike

    • Doug Runchey

      Hi Mike – Email me at [email protected] and I can do some calculations for you (for a fee).

  54. Mike

    Thank you Doug, Excellent service and very professional calculations summary statements you sent both of us ” Well” worth the money for your professional services! Doug, Gave us alot of insight to the “real” CPP numbers at 60 to 65yrs of age and not the “misleading” ones like Service Canada gives you! Highly recommend Dougs services to everyone ! Thanks much again Mike and Maria

  55. Al

    I am currently on CPPD. I have a question about drop out provisions.

    I moved to Canada in 1998 (at age 23), and at age 29, after graduating from university, I started work. Between 2004 and 2009 I contributed to CPP for 6 years, 4 of which were maximum yearly contributions.

    In 2009 I became disabled, and went on LTD until present times. However, despite being on LTD, I did not apply to CPPD until 2016, when the LTD insurer directed me to do so.

    In 2016, I was accepted in the CPPD program, with an “effective date” of 2016. However, depite having become disabled in 2009, on my CPP Statetement of Contributions, the years between 2010 to 2016 are labelled as “B” (“below basic exemption” )

    I am still disabled, however I think that if in the future I was to return to the workforce, having the 2009-2016 period labelled as “B” may potentially hurt my future CPP (not CPPD) pension.

    Given that during the period of time between 2009-2016 I was on LTD, and suffered from the same disability that caused me to be accepted into CPPD, is there a way to have the 2010-2016 period drop out from the CPP calculations? (In other words, I have been continously disabled starting 2009, all the way through present times, despite being on to CPPD only starting 2016.)

    Am I correct in assuming that applying a drop out provision to the 2010-2016 period will effectively raise my eventual CPP pension, (especially if I was to return to the workforce in the future)?

    • Doug Runchey

      Hi Alex

      First, you are 100% correct in what you are saying, but short of appealing the legislation to the Supreme Court, I don’t see that you have any chance to get what you’re asking for.

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