Do you want to earn the maximum CPP when you retire? Then this is how much you should make and do so for 35 years. The Canada Pension Plan (CPP) rule is simple: what you contribute is what you get ...

If you keep working past age 65 and delay collecting CPP, however, you will get more than before. For each year you wait, you'll get an extra 8.4 per cent (instead of 6 per cent under the old rules).

Starting CPP as early as 60 means you get less than you would at 65. Delaying from 65 to as late as 70 gives you an additional 8.4 per cent in benefits for each year you wait, to a ceiling of 42 ...