CPP & OAS Optimizer
Basic Information
Birth Year
Life Expectancy
Expected annual change in CPI (inflation)
Expected annual increase in cost of living
Enhanced CPP Benefits Estimator
Earned Income (average of past 5 years of employment)*
*If you have worked less than 5 years - use your average annual income since first employed full time
Projected years  you will have spent in workforce as a full time employee as of retirement date
Note: Current maximum monthly benefit at age 65 
Calculated Results Normal Option #1 Option #2
Desired age at which first benefit is drawn
Actual age at which first benefit is drawn
Year in which first benefit is drawn
First year annual CPP benefits
CPI adjusted first monthly payment
First monthly payment in current purchasing power
Total lifetime CPP payments
Total lifetime payments current purchasing power
OAS Benefits Estimator
Estimated number of years of residency in Canada between age 18 and age 65
Note: Current maximum monthly benefit at age 65
Calculated Results Normal Option #1 Option #2
Desired age at which first benefit is drawn
Actual age at which first benefit is drawn
Year in which first benefit is drawn
First year annual OAS benefits
CPI adjusted first monthly payment
First monthly payment in current purchasing power
Total lifetime OAS payments
Total lifetime payments current purchasing power
Disclaimer: The results produced by this calculator are based on information provided by the user and on certain assumptions inlcuding but not limted to inflation measured by CPI, cost of living increases and other factors. For the purposes of CPP the calculator makes the assumption that the user has earned and will continue to earn income at approximately the same rate, adjusted for inflation, as has been earned during the previous five years. Based on these assumptions the results are believed to be accurate but MoneyPages does not warrant or guarantee such accuracy. Users should verify all results before making any financial decisions