CPP Calculator 2026

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Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.

See how it works

Estimate your Canada Pension Plan monthly benefit based on your earnings history and planned start age.

Calculate Your CPP Benefit

Average Annual Pensionable Earnings ($)

Years of Contributions

Age When You Start CPP

Contribution Rate (% of earnings above YBE) % of maximum contribution years used

Estimated monthly CPP benefit (before tax)

How the CPP Calculator Works

This calculator uses the 2026 Year's Maximum Pensionable Earnings (YMPE) of $73,200 and the maximum CPP benefit of $1,433/month at age 65. Your actual benefit depends on:

Your average earnings relative to the YMPE throughout your career

How many years you contributed to CPP (maximum 39 "best years" counted)

The age at which you start collecting — early starts reduce benefits, later starts increase them

Child-rearing, disability, and other drop-out provisions that can improve your benefit

Get Your Actual Estimate: Log in to My Service Canada Account at canada.ca for a personalized CPP Statement of Contributions showing your exact projected benefit.

Metric	2026 Amount
Maximum Monthly CPP (age 65)	$1,433.00
Year's Maximum Pensionable Earnings (YMPE)	$73,200
Year's Basic Exemption (YBE)	$3,500
Employee Contribution Rate	5.95%
Maximum Annual Employee Contribution	$4,128.90
CPP2 Additional Contribution Rate	4.00% on earnings $73,200–$81,900

Metric

2026 Amount

Maximum Monthly CPP (age 65)

$1,433.00

Year's Maximum Pensionable Earnings (YMPE)

$73,200

Year's Basic Exemption (YBE)

$3,500

Employee Contribution Rate

5.95%

Maximum Annual Employee Contribution

$4,128.90

CPP2 Additional Contribution Rate

4.00% on earnings $73,200–$81,900

Start Age	Adjustment	Example: $870/mo at 65 becomes
60	-36%	$556.80/mo
62	-21.6%	$682.08/mo
65	0%	$870.00/mo
67	+16.8%	$1,016.16/mo
70	+42%	$1,235.40/mo

Start Age

Adjustment

Example: $870/mo at 65 becomes

-36%

$556.80/mo

-21.6%

$682.08/mo

$870.00/mo

+16.8%

$1,016.16/mo

+42%

$1,235.40/mo

CPP Drop-Out Provisions That Boost Your Benefit

The CPP calculation automatically excludes your lowest-earning years, which can significantly raise your average. Key provisions include:

General Drop-Out: Your 17% lowest-earning months (roughly 8 years out of 47) are automatically excluded

Child-Rearing Drop-Out: Years when you had children under 7 and low earnings can be excluded

Disability Drop-Out: Years you received CPP Disability can be excluded

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