Inputs
CPP/QPP Timing Calculator
Timing comparison
Enter assumptions and click Calculate to compare simplified CPP/QPP start-age scenarios.
Summary
Option A
Option B
Click Calculate to view the comparison.
Chart
Cumulative benefits over time
Projection details
Age-by-age comparison
| Age | Annual benefit option A |
Annual benefit option B |
Cumulative benefit option A |
Cumulative benefit option B |
Difference B minus A |
|---|
Assumptions and disclosure
Program-rule year: 2026. This is a simplified timing model; CPP/QPP source values remain source review pending.
This calculator compares two start ages using the age-65 benefit amount and assumptions you enter. It does not estimate your official CPP or QPP entitlement. Use your official statement for the benefit amount.
The age-by-age table shows how much each start-age option is expected to pay each year and in total by your selected life expectancy. The break-even age is the approximate age where the later-start option catches up to the earlier-start option in cumulative dollars.
This is a simplified educational estimate using visible CPP/QPP timing assumptions. It does not model contribution history, dropout provisions, survivor benefits, disability benefits, child-rearing provisions, pension sharing, tax effects, OAS/GIS interaction, or program-specific administrative rules.
CPP and QPP have different maximum deferral ages. CPP can generally be delayed to age 70, with a maximum enhancement of 42%. QPP can generally be delayed to age 72, with a maximum enhancement of 58.8%.
The default early and delayed adjustment assumptions are simplified monthly percentages. Actual CPP/QPP benefits depend on official government statements and the applicable program rules.
Educational information only. This tool is not financial, tax, legal, accounting, investment, retirement, estate, or cross-border planning advice.