CPP & OAS combined timing planner
Superseded by Pro Analysis
Compare two strategies side-by-side and see a year-by-year breakdown of combined CPP and OAS income. Find the break-even age between starting early versus waiting.
Year-by-year comparison
| Age |
A — CPP/mo |
A — OAS/mo |
A — Combined/yr |
A — Cumulative |
B — CPP/mo |
B — OAS/mo |
B — Combined/yr |
B — Cumulative |
Assumptions: CPP estimated at 25% of average pensionable earnings annually at age 65.
Early CPP reduced 0.6%/month before 65; late CPP increased 0.7%/month after 65.
OAS base $713.92/month at 65 (2024), prorated by residency years, deferred at +0.6%/month.
No inflation adjustment applied. Break-even uses undiscounted cumulative income.
Estimates are for illustration only — consult
Service Canada for official figures.