Does anyone know of a CPP calculator that includes CPPD?
My bank is trying to make a retirement plan for me but they are not doing a good job with the CPP/OAS estimate.
No but you can hire Doug Runchey at DR Pensionz to do one. He also says on his calculator that he’s working on it and people on disability can get a manual calculation, I’m not sure what the charge is.
If you want to know how much your CPP retirement will be when you turn age
65, take your current CPP disability amount and subtract the disability flat-rate amount ($610.46 for 2026) and divide the remainder by 75%.
Mine will be 56% of the max CPP. 
Pretty low.
Yes… that is why the post with the link to the petition regarding seniors with disabilities needing MORE because now you are old and disabled is so important to sign.
also pls share to any other Disabilities forums you are on. I have no idea how I will live, does welfare make up the difference?
I’ve been under the impression that CPPD is cut off at age 65 and replaced with regular CPP, which is based on your contributions from working.
I’ve always calculated my retirement income by going into my Service Canada online account and looking up my contributions, then putting the total into a retirement income calculator.(I think it’s on the Service Canada website). It calculates monthly CPP and OAS but doesn’t include provincial retirement income (GIS in Ontario).
I’d sure like to be wrong, it would be nice to get extra because I was on CPPD. Because right now I’m looking at moving into a tent on my 65th birthday. And yes I signed and shared the link to the petition about disability income for seniors.
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Years on CPPD used to get dropped from the calculation, which was a little bit helpful since they don’t count as zero income years in the calculation. For those who went on CPPD more recently, they get credited with something like 70% of their previous contributions which I believe helps those who got disabled young and hurts those who worked many years at maximum contribution before getting disabled.
This is total news to me. Can you please share where you found this?
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It was part of the CPP enhancements a few years ago. It doesn’t affect me so I haven’t really tracked it but you can see a discussion about it here
https://pwlcapital.com/cpp-explained/
"Disability Drop-Out and Drop-In Provisions
If you were disabled according to the CPP legislation, the months you received a CPP disability pension are excluded from your contributory period. This will increase your CPP retirement pension entitlement and may help you qualify for other benefits.
Starting in 2024, the enhanced CPP program will drop in additional credits for the time you were disabled from 2019 onward. These credits are equal to 70% of your average earnings in the 6 years before you became disabled which were covered by the CPP enhancement’s YAMPE. The drop in provision is intended to protect the value of your CPP retirement benefits from periods of low income while receiving the CPP disability pension.
General Drop-out Provision
The CPP benefit calculation will drop out 17% of the months in a person’s career where they earned the least. Depending on how long your contributory period is, and whether other drop-out provisions also apply to your situation, this provision allows up to 8 years of your lowest earning years to be removed from the CPP retirement benefit calculation.
The calculations for the Child Rearing Drop-Out and the Disability Drop-out periods take place before the General Drop-Out is calculated. The 17% drop-out is only applied if, after applying the child rearing and disability dropouts, more than 120 months (or 10 years) of earnings remain.
Assuming you did not take any time off to care for young children and did not become disabled according to CPP, you would need to contribute the maximum CPP amounts for 39 years to receive the maximum pension amount in retirement."
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Thank you. I ran this through chatgpt and I still don’t understand it for my situation. No children
I maxed out my CPP contributions every single year including all of the enhanced CPP portions prior to disability. As I understand it my time on cpp disability is completely dropped out so I full well expect my retirement CPP to be hefty. That said I don’t understand the 70% thing. Could you please explain this to me like I’m a child? Thx
Co-pilot gave me this. Would you agree…
Good for you.
•Your disabled years are still completely removed from your original/base CPP calculation.
•The newer enhanced CPP then gives you extra 70% credits for those disabled years.
•Your previous years of maximum CPP contributions stay at 100%.
So nothing is being taken away. The 70% credit is an additional benefit on top of the old disability dropout, not a replacement for it. [1][2]
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In one sentence: your base retirement CPP remains protected, and the 70% rule adds extra enhanced retirement CPP that you otherwise would not receive.
I became disabled too early to be affected so I never researched the details. If the AI is right that’s great news.
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I think the 70% only applies if you became disabled after 2024.
You are correct. At 65 yrs of age it stops and you go to the old age retirement benefits