Calculators

When should the two of you start CPP and OAS?

Starting at 70 instead of 65 makes CPP 42% bigger for life, and OAS 36%. Whether that's worth five years of waiting depends on your savings, your taxes — and, for a couple, on who outlives whom. When one of you dies, the other inherits part of their CPP as a survivor's pension.

This runs your retirement year by year for each combination of start ages, with 2026 federal and provincial tax, the OAS clawback, RRIF minimums and the survivor's pension, and ranks them by what they leave.

$after tax, together

You

yrretired, 65 or under
$from My Service Canada
yrhow long to plan for
$
$

Your partner

yrretired, 65 or under
$from My Service Canada
yrhow long to plan for
$
$

CPP start ages tried are 60, 63, 65, 67 and 70 for each of you, and OAS 65, 67 and 70 — ages already behind you are left out. Both of you are taken as retired today with full OAS. Plan-to ages are guesses either way: try a shorter one for the higher earner to see how much the answer leans on it. For working years, a pension and your own OAS, build your full plan, free.

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