CPP monthly at start
Scenario A$0
Scenario B$0
2026 Canadian benefit rules
Take CPP and OAS now—or wait for more?
Compare two start dates month by month. See the permanent payment adjustment, estimated OAS recovery tax, lifetime totals and the age when the delayed choice catches up.
Cumulative comparison through age 90
CPP difference · B minus A$0
OAS difference · B minus A$0
OAS monthly after recovery
Scenario A$0
Scenario B$0
Cumulative CPP
Constant 2026 dollars; ordinary income tax and investing earlier payments are not included.
Cumulative OAS after estimated recovery tax
Uses the 2026 $95,323 threshold and models the 10% increase from the month after age 75.
Benefit checkpoints
Cumulative totals at selected birthdays, after the simplified OAS recovery estimate.
| Age | CPP A | CPP B | OAS A | OAS B | Total A | Total B |
|---|
What the formulas include
- CPP start ages from 60 through 70, calculated to the month.
- OAS start ages from 65 through 70, calculated to the month.
- The automatic 10% OAS increase in the month after the 75th birthday.
- The 15% OAS recovery tax above the selected 2026 income threshold, capped at OAS received.
- Cumulative break-even based on benefits actually paid in each month.
Important boundaries
This is not a recommendation about when to apply. Your health, cash needs, taxes, GIS eligibility, survivor benefits, continued CPP contributions and investment opportunity cost can change the decision. Quebec workers should verify QPP rules with Retraite Québec. OAS residence eligibility and international agreements are not determined here.
CPP is indexed annually and OAS quarterly. Holding the comparison in constant dollars avoids inventing a future CPI path while preserving the statutory start-age differences.
Primary sources
- Service Canada: when to start CPP
- Service Canada: CPP amounts
- Service Canada: when to start OAS
- Service Canada: OAS amounts and age-75 increase
- Service Canada: OAS recovery tax
2026 rules · next review Q4 2026 · educational estimate only.
How to use this cpp and oas timing calculator
Enter your estimated benefits, two start ages and a comparison age. Read the monthly amounts, cumulative differences and benefit checkpoints together. This model uses constant 2026 dollars and a simplified OAS recovery estimate; it excludes ordinary income tax, GIS and returns from investing earlier payments.
Amounts are in Canadian dollars. Read the calculation methods, sources and review status.