A CPP and OAS calculator combines your estimated Canada Pension Plan (CPP) retirement pension with your Old Age Security (OAS) pension. Enter the monthly amount you expect from each program, then add them together to estimate how much retirement income the two government pensions could provide each month and year.
Calculate Your Combined CPP and OAS Income
The calculation itself is straightforward:
Monthly CPP + Monthly OAS = Combined monthly income
Combined monthly income × 12 = Combined annual income
For example, a retiree expecting $900 per month from CPP and $700 from OAS would have estimated combined income of $1,600 per month, or $19,200 per year.
For the most useful result, enter personalized estimates rather than assuming you will receive the published maximums. Your CPP pension depends on factors including your contribution history, earnings and the age when payments begin. You can find an estimate through My Service Canada Account or calculate it separately with our CPP calculator.
Your OAS amount follows different rules, including how long you lived in Canada after age 18. A person who does not qualify for the full pension should therefore use their estimated partial amount. Our OAS calculator covers that calculation separately.
2026 CPP and OAS Amounts for Reference
The 2026 maximum CPP retirement pension for someone starting at age 65 is $1,507.65 per month. However, the average amount for new beneficiaries at age 65 was $877.01 per month in April 2026, which shows why using the maximum as a default estimate can give a misleading result. Your actual amount is based on your own CPP record.
For July through September 2026, the maximum OAS payment is $751.97 per month for ages 65 to 74 and $827.17 for ages 75 and older. OAS rates are reviewed quarterly against changes in the Consumer Price Index, so a calculator using these figures needs updating when a new quarterly rate takes effect.
Someone receiving the 2026 maximum CPP amount at age 65 and the July to September 2026 maximum OAS amount for ages 65 to 74 would have a combined figure of $2,259.62 per month. That is a benchmark, not a general expectation, because receiving the maximum from one program does not mean you will receive the maximum from the other.
Starting CPP and OAS at Different Ages
A combined calculator needs to account for your chosen start dates because the two pensions do not have identical age rules. Under the 2026 CPP rules, retirement benefits can start from age 60 through 70. Starting before 65 reduces the pension by 0.6% per month, while starting after 65 increases it by 0.7% per month, up to a 42% increase at 70. The detailed effect is covered in when to take CPP.
OAS cannot start before 65. Under the 2026 OAS rules, delaying it beyond 65 increases the pension by 0.6% for each month of delay, with the increase reaching 36% at age 70. You can model that adjustment with our OAS deferral calculator.
Because the start dates can differ, your combined retirement income may change over time. Someone starting CPP at 62 but waiting until 65 for OAS, for example, would initially receive only the CPP portion. The OAS amount would be added once those payments begin.
Use Gross Income, Not After-Tax Payments
CPP and OAS are taxable sources of retirement income. For a clean comparison, enter the gross monthly amount of each benefit before any voluntary tax withholding.
The calculator therefore estimates gross CPP and OAS income, not the amount you will have available after income tax. OAS can also be reduced through the recovery tax at higher income levels, which is a separate calculation covered by our OAS clawback calculator.
Once you have reliable estimates for both pensions, use those figures rather than the maximums to build your combined-income estimate.
Other Questions About Calculating CPP and OAS Income
Should a CPP post-retirement benefit be included in the calculator?
Yes, if you already receive a Canada Pension Plan Post-Retirement Benefit (PRB) and want the calculation to reflect your total CPP retirement income. A PRB earned through eligible contributions while receiving CPP is added to your retirement pension.
Should a CPP survivor’s pension be entered as regular CPP?
Use the actual combined CPP amount you are entitled to receive rather than simply adding the published retirement and survivor pension amounts. CPP applies special rules and maximums when retirement and survivor pensions are paid to the same person.
Does the calculator include the Guaranteed Income Supplement?
No. The Guaranteed Income Supplement (GIS) is a separate income-tested OAS benefit rather than part of CPP or the OAS pension itself. Use the OAS and GIS calculator when you specifically want an estimate that includes GIS.
