ClaimWise: CPP & QPP Optimizer

ClaimWise tells you the right age to start CPP or QPP based on your current credits and life expectancy: claim at 60, 65, or 70. Enter your current pensionable credits, your expected age, and ClaimWise computes the break-even between claiming early at 60 (with 36% reduction), at 65 (normal), or at 70 (with 42% bonus). Side-by-side scenarios show lifetime totals. Light and dark themes, full English and French. WHAT IT COMPUTES - Estimated monthly benefit at age 60, 65, and 70 - Lifetime cumulative payout to your expected age - Break-even age between any two starting ages - 2026 CPP/QPP parameters (maximum at 65, reductions, bonuses) - Quebec QPP variant when selected WHY CLAIMWISE - One decision worth tens of thousands of dollars over a retirement - Works 100% offline. No account, no cloud - No subscription, no ads, no tracking. Pay once, keep it - Save scenarios, share clean breakdowns - Full English and French ClaimWise is an estimate for CPP/QPP planning and does not replace personalized financial advice.