QPP benefit levels by claiming age
Start at age 60
Permanent reduction from claiming early.
Start at age 65
Standard claiming point with no reduction or bonus.
Start at age 70
Permanent enhancement from waiting longer.
QPP vs CPP
| Aspect | QPP (Quebec) | CPP (Canada) |
|---|---|---|
| Who contributes? | Workers in Quebec | Workers outside Quebec |
| 2026 contribution rate | 5.9% employee + 5.9% employer | CPP rates outside Quebec |
| Start age | 60 a 70 ans au choix | 60 a 70 ans au choix |
| Maximum 2026 amount | ~897 $/mois a 65 ans | ~1 364 $/mois a 65 ans (avec bonification) |
| Death benefit | 2 500 $ verses a la succession | 2 500 $ verses a la succession |
| Survivor pension | Oui - selon revenu et age | Oui - selon revenu et age |
Contributions and rough benefit levels
Frequently asked questions
How is my QPP pension calculated?
The QPP is based on pensionable earnings across your career, with low-income years partially excluded and earnings adjusted over time. Longer contribution history and stronger earnings generally lead to a higher pension.
Do Quebec workers also contribute to the CPP?
Most Quebec workers contribute to the QPP rather than the core CPP. Quebec is still affected by federal pension coordination rules, so the comparison remains useful when evaluating Canada-wide retirement planning.
Is the QPP pension taxable?
Yes. QPP pension income is taxable and should be planned together with OAS, RRSP/RRIF withdrawals, employment income, and other retirement cash flows.
Is it better to start at 60, 65, or 70?
That depends mainly on life expectancy, cash-flow needs, and whether delaying the pension would materially reduce other planning risks. In good health, delaying can often be valuable.
Place QPP inside your broader situation
A public pension is only one pillar. The questionnaire helps surface other credits, benefits, and planning levers that may apply to you.