(Step-by-Step Guide) How to Check Your CPP Estimate at Age 60 or 65 in Canada

1. Google Search "MSCA Login"

2. Click "My Service Canada Account (MSCA)"

3. Click "GCKey" or "Interac® Sign-In Partnerbank Sign-In"

4. Click "My dashboard"

5. Click "CPP - Applications, payments, taxes, documents, provisions, personal information"

6. Click "View my benefit estimates"

7. Click "at 60, you could receive"

8. Click "View your CPP earnings and contributions"

9. Review your year-by-year summary.

10. OPTIONAL - "Request your official Statement of Contributions by mail"

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What Impacts Your CPP Estimate?

A few things determine how much you’ll actually get:

• How many years you worked and contributed
• How much you earned
• When you start your CPP (earlier = less, later = more)

If you take it at age 60, you get less each month.
If you wait until 70, you get more.

Common Questions I Hear From Clients in Ottawa

1. Do I need to wait until I’m 60 to check it?
Nope. You can check your CPP estimate anytime.

2. What if I lived abroad for a few years?
CPP is based on your work history and contributions in Canada, not your location.

3. Is this estimate guaranteed?
Not exactly. It’s a projection based on your current contribution history. If you stop working or earn more later, it may go up or down.

Need Help Understanding Your CPP?

I’ve helped lots of clients in Ottawa walk through their CPP statements and retirement planning. It’s not just about the number you see, it’s about knowing when it makes sense to apply and how it fits into the rest of your plan.

Final Note

Checking your CPP estimate is free, easy, and takes five minutes.
Start with My Service Canada Account, and keep your future self in the loop.

And if you’re not sure what the number means for your retirement? Get in touch. Always happy to help.

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This is not legally binding tax advice. This is educational analysis. Say hello if you need help.

hello@taxesmadesimple.ca

WhatsApp - 613.600.4194

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