Estimate Your CPP, OAS, GIS & Allowance Income
Use this educational calculator to estimate potential government retirement income in Canada. Final amounts are determined by Service Canada.
Estimated Monthly Income
Understanding Your Benefits
Age 60–64: You may receive CPP if started. OAS and GIS generally do not begin until age 65.
Widowed age 60–64: You may qualify for the Survivor Allowance if income and residency rules are met.
Spouse age 60–64: You may qualify for the Allowance if your spouse receives OAS and GIS.
Age 65+: OAS may begin, and GIS may apply for lower-income seniors. Allowance and Survivor Allowance generally stop at age 65.
Simple Example: Widowed Person Age 64 vs. Age 65
At Age 64
A widowed person with low income may receive CPP and Survivor Allowance.
- CPP: $600/month
- OAS: $0
- GIS: $0
- Survivor Allowance: up to $1,682/month
At Age 65
The Survivor Allowance generally stops. OAS and GIS may begin.
- CPP: $600/month
- OAS: up to $743/month
- GIS: up to $1,110/month
- Survivor Allowance: $0
What’s Missing From Your Retirement Income?
Government benefits are only one part of retirement income. Use this section to estimate whether there may be a monthly income gap.
Potential Sources of Retirement Income
Your retirement income may come from several sources in addition to CPP, OAS and GIS. Estimate how other income sources could help close your retirement income gap.
Needs Planning
0% of desired retirement income funded
Retirement Readiness Guide
This score compares your estimated retirement income against your desired retirement income goal.
Income goal fully achieved or exceeded.
Very close to your retirement income goal.
Minor adjustments could strengthen your plan.
Additional retirement income planning is recommended.
A comprehensive retirement income strategy is strongly recommended.
Your Retirement Snapshot
A quick overview of your projected retirement income compared with your desired monthly income.
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