§ Calculator · Retirement
CPP & OAS estimator (with residency)
What this is
What will your CPP and OAS actually be, given your work and immigration history?
CPP is driven by how many years you contributed and how much you earned; OAS is driven by how many years you have lived in Canada after age 18. This estimates both, and shows CPP as a likely range because Service Canada applies drop-out rules that a simple calculator can only approximate.
- ·CPP: the more years you contributed and the closer your earnings were to the annual ceiling, the higher it is.
- ·OAS: a full pension needs 40 years of residence after 18; fewer years pays a partial pension (years / 40).
- ·Newcomers: you need 10 years of residence to collect OAS in Canada, or 20 years to collect it while living abroad.
- ·This is a planning estimate. Your official numbers live in your My Service Canada Account.
CPP estimate, a likely range
Conservative
$8,365
Likely
$10,080
Optimistic
$10,080
Conservative ignores the drop-out; Likely applies the general drop-out (~8 lowest years removed); Optimistic adds your child-rearing years. The real figure sits in this range.
OAS estimate, residency-adjusted
OAS / year
$4,904
CPP (likely) + OAS / year
$14,984
22 of 40 residence years = 55% of a full OAS pension. Before tax and before any OAS recovery tax (clawback), which depends on your total retirement income.
Educational estimate, not advice and not an official figure. CPP depends on your full contribution and earnings history, including drop-out rules this tool only approximates; OAS depends on your exact years of Canadian residence after age 18. You are responsible for confirming the real amounts on your My Service Canada Account. 2026 base figures; verify annually.