Learn and plan for your retirement
It's never too early or too late to learn about your retirement options and plan for your future. Find out about public pensions, when to collect them and tips to consider for your retirement income.
Learn
Get the most out of your Canadian public pensions
Learn about your retirement income options, and tips for your OAS/CPP pension choices.
Read the stories of retirees and their public pension decisions.
Top learning links
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Deciding when to start your public pensions
Flexible public pensions offer choices for retirement. Learn how to choose and what to consider.
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Rules of thumb for your public pensions
Check out these tips to help you decide when to start your public pensions. Choose what is right for you.
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Bonnie delays to reduce the savings she needs
Bonnie will need less savings to retire comfortably if she delays her OAS pension and her CPP retirement pension.
Plan
Not sure where to start? Take our quiz!
Receive a personalized checklist to guide you through retirement.
Other tools
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Canadian Retirement Income Calculator
The Canadian Retirement Income Calculator will provide you with retirement income information. This includes the Old Age Security (OAS) pension and Canada Pension Plan (CPP) retirement benefits.
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Old Age Security Benefits Estimator
Find out how much money you may get from the Old Age Security program and its benefits.
Apply
Ready to apply for your public pensions? Get started now
To apply online you can sign in or register for a My Service Canada Account (MSCA). To apply in person or by mail, you can complete a paper application.
Manage
Take control of your public pensions with the My Service Canada Account (MSCA)
You can do a lot with your MSCA, including:
- create and submit your Canada Pension Plan and Old Age Security application(s)
- check the status, payment dates and amounts for your public pensions
- update your mailing address and banking information