Web Reference: Aug 13, 2025 · Starting CPP early, at age 60, reduces the CPP benefit by 0.6% per month before age 65, totaling a 36% decrease. Conversely, starting CPP later, after 65 years of age, increases the monthly CPP payment by 0.7%, or 8.4% annually. There are many factors you should consider when deciding when to start receiving your CPP retirement pension. Make your choice based on your health, financial situation, and your plans for retirement. Many Canadians find that taking CPP at 60 helps balance financial security with lifestyle goals. It can reduce stress about waiting longer and allows you to use your money when it matters...
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