ClaimWise tells you the right age to start CPP or QPP based on your current credits and life expectancy: claim at 60, 65, or 70.
Enter your current pensionable credits, your expected age, and ClaimWise computes the break-even between claiming early at 60 (with 36% reduction), at 65 (normal), or at 70 (with 42% bonus). Side-by-side scenarios show lifetime totals. Light and dark themes, full English and French.
WHAT IT COMPUTES
- Estimated monthly benefit at age 60, 65, and 70
- Lifetime cumulative payout to your expected age
- Break-even age between any two starting ages
- 2026 CPP/QPP parameters (maximum at 65, reductions, bonuses)
- Quebec QPP variant when selected
WHY CLAIMWISE
- One decision worth tens of thousands of dollars over a retirement
- Works 100% offline. No account, no cloud
- No subscription, no ads, no tracking. Pay once, keep it
- Save scenarios, share clean breakdowns
- Full English and French
ClaimWise is an estimate for CPP/QPP planning and does not replace personalized financial advice.
