Canadian Retirement Plan

Your profile drives CPP/OAS/GIS calculations. Key inputs: birth year determines age and time to retirement; years in Canada after age 18 determines OAS entitlement; CPP contribution years and average earnings percentage determine your CPP amount. For accurate numbers, use the CPP and OAS override fields with amounts from your My Service Canada Account statement — the calculated estimates can differ from reality because Service Canada uses dropout provisions (excludes lowest-earning years), child-rearing provisions, and your actual earnings history.

Personal Information

Full Name

Birth Year

Province of Residence

Planned Retirement Age

CPP Inputs

CPP Contribution Years

Avg. Earnings vs. Maximum (%) (optional)

CPP Override ($/mo) — enter actual amount from Service Canada

CPP max (2025): $1,433.00/mo at 65. Our estimate = (years ÷ 39) × (avg earnings%) × max. Service Canada excludes up to 8 lowest-earning years, so actual amounts often differ. Recommended: Get your statement at canada.ca/cpp-statement and enter it in the CPP Override field above.

OAS Inputs

Years in Canada (after age 18)

OAS Override ($/mo) — enter actual amount from Service Canada

Full OAS (2025 Q1, age 65-74): $727.67/mo with 40+ years in Canada after 18. Partial: (years ÷ 40) × full. Min 10 years. OAS rises to $800.44/mo at 75. Recommended: Enter your actual OAS from Service Canada in the Override field above.

Canadian Retirement Plan — CPP • OAS • GIS • RRSP • TFSA

Spouse / Partner

Canadian Retirement Plan — CPP • OAS • GIS • RRSP • TFSA

Spouse / Partner

FamilyFunds Access