CPP & OAS Benefit Calculator

CPP & OAS Calculator

Canada

Offline · 2025 Rates · OAS Clawback Included

CPP Monthly

Age —

OAS Gross

Age —

OAS Clawback

Recovery tax

Net Monthly (CPP + OAS after clawback)

— / year net

Your Information

Current Age

Life Expectancy

Canadian avg: ~83 men · ~86 women

CPP Settings

Est. Monthly CPP at Age 65 Base

2025 max: $1,364.60 · confirm via My Service Canada

CPP Start Age

60 (−36%) · 65 (base) · 70 (+42%)

OAS Settings

Years of Canadian Residency (18+)

40 years = full pension · minimum 10 years to qualify

OAS Start Age

Defer past 65 for +0.6%/month (max +36% at 70)

OAS Clawback — Net Income

Estimated Retirement Net Income Clawback

Include all sources: RRIF, pension, employment, CPP, OAS, investment income. 2025 threshold: $93,454

Monthly Breakdown

CPP (age 65) $0.00

OAS gross (age 65) $0.00

Net Monthly Total $0.00

Annual Net Total $0.00

$0 $93,454 threshold $151,668 full clawback

Enter your details to see a lifetime estimate.

Top 3 Combinations — Monthly & Lifetime

Net Monthly/mo Lifetime Total (scaled)

Longevity Sensitivity — Top 5 by Life Expectancy

CPP Start Age Comparison

Start Age	Adjustment	Monthly CPP	Annual CPP	vs. Age 65

OAS Start Age Comparison — Gross vs. Net After Clawback

Start Age	Deferral Bonus	Gross OAS/mo	Monthly Clawback	Net OAS/mo	Annual Net OAS

Lifetime Net Total — All CPP & OAS Start Age Combinations

Uses 2025 CRA figures: clawback starts at $93,454 net income, full clawback at $151,668. OAS clawback is repaid via withholding tax in the following July–June cycle. A tax professional can help coordinate RRIF drawdowns and CPP/OAS timing to minimize recovery tax.