Get Canada’s $3,716 Maximum Monthly Pension: In Canada, retirees may receive income from two primary sources: the Canada Pension Plan (CPP) and Old Age Security (OAS). As of 2025, the combined maximum monthly payment from these federal programs is approximately $2,233.44. However, there are claims circulating online that you can receive up to $3,716 per month. So, is this really possible? And if so, how can you qualify?
This article breaks down the facts, explains who qualifies for what, and outlines how Canadians can maximize their retirement income. Whether you’re planning for the future or close to retiring, understanding your eligibility is key.
Get Canada’s $3,716 Maximum Monthly Pension
| Detail | Value / Info |
|---|---|
| Maximum CPP Benefit (2025) | $1,433/month at age 65 (Canada.ca) |
| Maximum OAS Benefit (2025) | $800.44/month at age 75+ (Canada.ca) |
| Combined CPP + OAS (Age 75+) | $2,233.44/month |
| Additional Income Possibility | Through GIS, provincial benefits, private pensions, or RRSPs |
| Required Years for Max CPP | ~39 years of max contributions |
| Required Years for Max OAS | 40+ years of residency after age 18 |
| Official Estimator Tool | My Service Canada Account |
While the standard combined CPP and OAS benefits max out around $2,233/month, many seniors can boost their total retirement income to over $3,716 by combining GIS, provincial benefits, and private retirement savings. The key is early planning, understanding eligibility rules, and using tools like My Service Canada Account to make informed decisions.
Understanding the Two Main Pensions: CPP and OAS
Canada Pension Plan (CPP)
CPP is a contributory pension, meaning the more you earn and contribute during your working life, the more you get after retirement.
- Maximum CPP at age 65 (2025): $1,433/month
- To qualify for maximum CPP, you must:
- Contribute at the maximum limit for ~39 years
- Earn at or above the Year’s Maximum Pensionable Earnings (YMPE) every year (YMPE for 2024 is $68,500)
Old Age Security (OAS)
OAS is a non-contributory pension funded by the government. It is based on how long you’ve lived in Canada after the age of 18.
- Maximum OAS (age 75+ in 2025): $800.44/month
- To receive the full amount:
- You must have resided in Canada for at least 40 years after turning 18
So Where Does the $3,716/month Figure Come From?
The claim of $3,716 per month likely includes:
- CPP ($1,433)
- OAS ($800.44)
- Guaranteed Income Supplement (GIS)
- Provincial benefits (like the Ontario Guaranteed Annual Income System)
- Private retirement income (like RRSP withdrawals or employer pensions)
GIS can add up to $1,065.47 per month for single seniors with little to no other income (Canada.ca – GIS).
So, for those who qualify for maximum GIS, OAS, and CPP, the total can cross $3,500/month. Add a modest private pension or RRSP draw, and you reach or exceed $3,716.
Get Canada’s $3,716 Maximum Monthly Pension: How to Qualify for Maximum Benefits
Step 1: Maximize Your CPP
- Work consistently for 35+ years.
- Ensure your annual income is at or above YMPE.
- Avoid years of low or no income to prevent pension averaging penalties.
Step 2: Ensure Long-Term Canadian Residency
- To get full OAS, aim to live in Canada for 40 years after age 18.
- Shorter residency = partial OAS.
Step 3: Apply for GIS if Eligible
- GIS is for low-income seniors.
- Automatically reviewed when you apply for OAS.
- Income thresholds change yearly. For 2025, singles earning under ~$21,624/year may qualify.
Step 4: Consider Provincial Supplements
- Some provinces like Ontario, BC, and Alberta offer additional monthly benefits.
- These are usually income-tested and vary by region.
Step 5: Plan for Private Retirement Income
- Build savings in RRSPs, TFSAs, or employer pensions.
- These can top-up federal pensions to help reach the $3,716 figure.
Example Scenario
Let’s take John, 66, who:
- Worked for 40 years, contributing max CPP
- Lived in Canada since age 20 (46 years residency)
- Has no private income or savings
- Retired last year
John’s monthly income:
- CPP: $1,433
- OAS: $727.67 (under 75)
- GIS: ~$1,065 (due to no other income)
Total: $3,225.67/month — close to the $3,716 mark. Once John turns 75, OAS increases to $800.44, bringing him even closer.
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FAQs on Get Canada’s $3,716 Maximum Monthly Pension
Can I get CPP and OAS if I lived and worked outside Canada?
Yes, but your OAS may be partial depending on how long you resided in Canada. CPP is based on contributions, so as long as you contributed, you may receive it.
What if I delayed my CPP or OAS?
You get more monthly income by deferring:
- CPP increases by 0.7% per month (up to 42% at age 70)
- OAS increases by 0.6% per month (up to 36% at age 70)
Will my GIS reduce if I have RRSP income?
Yes. GIS is income-tested, and RRSP/RRIF withdrawals count as income.
How can I estimate my pension amount?
Use your My Service Canada Account to get an estimate.
Are these benefits taxable?
- CPP and OAS are taxable income.
- GIS is non-taxable.
