Pension calculator

How to use the calculator:

1. Enter your total credited service in months.
2. Enter your Highest Average Earnings, rounded to the nearest dollar.
3. If you contributed to the PSPP at any time between April 1, 1993, and March 31, 1996, enter your credited service during this period in the space(s) provided. If you were not contributing during this period, leave the spaces blank.
4. Click “Calculate Pension” to receive your pension estimate. You can also download a copy of your estimate for your records.

Not sure where to find your information?

Visit the Annual Pension Statement page and watch our short video to learn more.

CPP integration & the Bridge Benefit

Your Provident10 pension is integrated with the Canada Pension Plan (CPP). If retiring from the PSPP before you’re entitled to receive an unreduced CPP benefit at the age of 65, you’ll receive a Bridge Benefit until that time.

Retirement income sources

In addition to your Provident10 pension and CPP, other government sources like Old Age Security (OAS), as well as Additional Savings Tools such as Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs), may also play a role in your overall retirement income. The Government of Canada has a Canadian Retirement Income Calculator to assist your planning.