Investment · Canada
CPP Post-Retirement Benefit calculator.
If you work while already collecting your CPP retirement pension and you're under 70, every year of contributions generates its own small extra pension the following year — on top of what you already receive. This is that top-up, not your regular CPP retirement pension.
The 2026 maximum monthly Post-Retirement Benefit at age 65 is $54.69, scaling with your pensionable earnings for the year relative to the $74,600 Year's Maximum Pensionable Earnings (YMPE). Starting it earlier than 65 reduces it; starting later increases it — the same adjustment CPP uses for the regular retirement pension.
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Estimated PRB
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How the Post-Retirement Benefit is generated
The PRB is a genuinely separate benefit from your CPP retirement pension. If you're under 70 and keep working after you start collecting CPP, you (and your employer, if you have one) keep contributing — mandatory under 65, optional from 65 to 70 by filing form CPT30 to opt out. Each year of those contributions generates its own PRB, paid starting the following year, on top of whatever you already receive. A self-employed person pays both the employee and employer portions themselves, but that changes what they pay, not what they earn — the PRB formula runs on pensionable earnings, not contribution dollars.
Service Canada describes the accrual rate as 2.5% (1/40th) of the maximum CPP retirement pension for each year of full contributions, and gives a maximum monthly PRB at age 65 of $54.69 for 2026 (the average amount for new beneficiaries starting in April 2026 was $25.76). Its own worked example states that earnings at half the maximum earnings limit produce a PRB at half the maximum — a straight linear ratio, which this tool reproduces: your PRB = (your earnings ÷ $74,600 YMPE) × $54.69, before any age adjustment.
Why age changes the amount
Service Canada states the PRB depends on "your age as of January 1st of the year the Post-Retirement Benefit starts" — the same age-sensitivity as the regular CPP retirement pension. This tool applies the same, already-published CPP adjustment factors used elsewhere on this site: −0.6% for every month before 65 (down to age 60) and +0.7% for every month after 65 (up to age 70). This is the standard CPP early/late mechanism, not a PRB-specific figure Service Canada separately publishes.
Sources, fetched 26 September 2026: Canada.ca — CPP Post-Retirement Benefit: how much you could receive, Canada.ca — CPP Post-Retirement Benefit eligibility, CRA — 2026 CPP contribution rates, maximums and exemptions (YMPE).
Frequently asked questions
Is the PRB the same as my CPP retirement pension?
No. It's an additional, smaller pension generated by contributions made after you already started collecting CPP. Use the CPP & OAS Payment Calculator for the retirement pension itself.
Do I get a new PRB every year I keep working?
Yes — each year of contributions while collecting CPP and under 70 generates its own separate PRB, paid starting the following year. This tool estimates a single year's PRB from a single year's earnings; it does not add up multiple years for you.
Can I stop contributing and stop generating new PRBs?
From age 65 to 70, yes — file form CPT30 with your employer and the CRA to elect out. Before 65, contributions are mandatory if you're working. At 70, contributions and PRB generation stop automatically.
Does being self-employed change my PRB amount?
No. Self-employed people pay both the employee and employer portions of the CPP contribution themselves, which affects what you pay, not what PRB you earn — the benefit is based on your pensionable earnings, not on the contributions themselves.
Estimate only — not a benefit statement
This tool reproduces Service Canada's own simplified linear example (earnings ÷ YMPE × the published maximum) and the site's already-sourced CPP early/late adjustment factors. It does not model multiple accumulated years of PRB, the exact split between base and enhanced CPP contribution components, or annual indexing after a PRB starts. Check your real My Service Canada Account or contact Service Canada for a binding figure.