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Pension Calculator

It’s easy to get an estimate of your PSPP pension!

To get started with our pension calculator, grab your most recent Annual Pension Statement.

To calculate your estimated pension:

  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, please enter your credited service during this period in the space(s) provided. If you were not contributing to the PSPP during this period, please 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.

Let’s get started!

Pension Calculator

Total Service & Pensionable Salary

April 1, 1993 – March 31, 1996

If you worked during any of the following periods, please indicate in the appropriate field:

  1. the number of months credited during each period
  2. whether or not the matching contributions paid by your employer were reduced during the following periods and
  3. if they were reduced, whether or not you paid the difference

Period

Credited Service
(in months)

Employer contributions reduced

I paid the difference

April 1, 1993 – March 31, 1994
Employer Contributions Reduced
I Paid The Difference
April 1, 1994 – March 31, 1996
Employer Contributions Reduced
I Paid The Difference

Including Bridge Benefit

Payable until age 65

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Frank, Pensioner

Resources

Learn more about the PSPP and your pension with some of our most popular online tools.