Retirement age calculator · Canada
The earliest age you can claim a pension, the age for a full pension, and what each one pays. Change your age in the calculator below.
About CA$2,378 net a month at 65, in today’s money. Assumes you started work at 22; change it in the calculator below.
What each age pays ↓…
Retirement age in Canada: when you can claim your pension
When you can retire depends on your year of birth and how many years you have been insured. The calculator above shows the earliest age and the age for a full pension, and what each age would pay.
The rules in brief
- Old Age Security: OAS is paid from 65 to people who lived in Canada at least 10 years after 18 (full pension after 40 years): up to $762.50 a month for ages 65–74 and $838.75 from 75 (October–December 2026). It can be deferred up to 5 years for 0.6% more per month and is reduced by 15% of net income above $93,454. The Guaranteed Income Supplement adds up to $1,138.90 a month for single people with low income.
Earliest and full pension, by year of birth
| Born in | Earliest pension | Full pension |
|---|---|---|
| 1965 | age 61, in 2026 (−28.8%) | age 65, in 2030 |
| 1970 | age 60, in 2030 (−36.0%) | age 65, in 2035 |
| 1975 | age 60, in 2035 (−36.0%) | age 65, in 2040 |
| 1980 | age 60, in 2040 (−36.0%) | age 65, in 2045 |
| 1985 | age 60, in 2045 (−36.0%) | age 65, in 2050 |
| 1991 | age 60, in 2051 (−36.0%) | age 65, in 2056 |
| 1995 | age 60, in 2055 (−36.0%) | age 65, in 2060 |
| 2000 | age 60, in 2060 (−36.0%) | age 65, in 2065 |
Assumes work from age 22 without gaps.
Example: born in 1991, what each age pays
| Claim at age | Year | Change | Net a month |
|---|---|---|---|
| 60 | 2051 | −36.0% | CA$1,150 |
| 61 | 2052 | −28.8% | CA$1,295 |
| 62 | 2053 | −21.6% | CA$1,432 |
| 63 | 2054 | −14.4% | CA$1,560 |
| 64 | 2055 | −7.2% | CA$1,671 |
| 65 | 2056 | full pension | CA$2,378 |
| 66 | 2057 | +8.4% | CA$2,552 |
| 67 | 2058 | +16.8% | CA$2,720 |
| 68 | 2059 | +25.2% | CA$2,887 |
| 69 | 2060 | +33.6% | CA$3,060 |
| 70 | 2061 | +42.0% | CA$3,234 |
Career from age 22 with the calculator’s example pay; amounts in today’s money.
Frequently asked questions
When can I retire in Canada?
With a full pension at 65 if you were born in 1991; the earliest is 60, with a 36.0% cut.
How much do I lose if I retire early?
36.0% at 60, for the rest of your life.
Rules and official sources: see “Rules applied (2026)” in the calculator. Last checked: October 2026. Estimates for information, not financial advice.
Other questions about pay in Canada: What is my hourly wage? · What do I take home part-time? · How much unemployment benefit would I get? · How much notice must my employer give? · What is my money worth after inflation?