Canada Retirement Date Calculator
Enter your date of birth to get your Canadian retirement dates: CPP at 60, 65 and 70, and Old Age Security at 65. Dates per the Government of Canada's official rules.
How it's calculated
Each date is birth date + the relevant age: CPP standard 65, earliest 60, latest 70; OAS 65. CPP can actually start in any month between 60 and 70 — the three dates above are the milestones.
Dates only — how much your CPP changes with timing is a benefits question. Normal vs early vs full retirement age.
Examples
Born 15 March 1975: CPP standard (65) 15 March 2040 (Thursday); CPP earliest (60) 15 March 2035 (Thursday); CPP latest (70) 15 March 2045 (Wednesday); OAS (65) 15 March 2040 (Thursday).
CPP vs OAS — the two dates
- CPP (Canada Pension Plan): based on your contributions. Flexible — any month from 60 to 70, with the amount adjusted for timing. The standard date at 65 is the reference point.
- OAS (Old Age Security): residence-based, not contribution-based. Starts at 65 for those who qualify.
Most Canadians have both dates to plan around — and possibly a workplace pension with its own date too.
Related tools
- UK State Pension Date Calculator
- Australia Retirement Date Calculator
- Pakistan Retirement Date Calculator
- Retirement Age Calculator by Date of Birth
Related guides
Sources: Government of Canada — when to start CPP · Government of Canada — OAS eligibility
Frequently asked questions
What's the difference between CPP and OAS?
CPP is based on your contributions from working in Canada; OAS is based on years of residence. They have the same headline age (65) but different qualifying rules — and the dates above are when each can start.
Should I take CPP at 60, 65 or 70?
That's a money question this site doesn't answer — earlier means a smaller monthly amount for life, later means a larger one. The dates above are your three milestones; a financial planner or Service Canada can talk through the amounts.
Is OAS automatic?
Often you're enrolled automatically and notified, but not always — if you don't get a letter, you may need to apply. The date above is when eligibility starts either way.
What about QPP in Quebec?
Quebec has its own plan (QPP) instead of CPP, with the same 60–70 window and 65 standard age. If you worked in Quebec, check Retraite Québec for your exact dates.
Can I take CPP while still working?
Yes — CPP doesn't require you to stop working. The date is when payments can start, not when you must retire.