CPP Credit Splitting Calculator Canada

Estimate the Impact of Pension Credit Division on Divorce

Your Details

Province / Territory

🍁 Ontario (ON)

Relationship Type

MarriedCommon-Law

Cohabitation Period

Start Year

End Year (Separation)

15years of credits to split

Average Annual Earnings During Relationship

Your Average Annual Earnings

Spouse's Average Annual Earnings

Current Ages

Your Age

years

Spouse's Age

years

CPP Credits During Relationship

Your Estimated Credits$1,027,500

Spouse's Estimated Credits$675,000

Combined Credits$1,702,500

Credit Splitting Impact

When CPP credits are split, the combined credits earned during cohabitation (15 years) are divided equally.

You would LOSE credits

Estimated Credit Transfer$176,250from you to spouse

Estimated Monthly Pension Impact (at 65)-$6/monthVery rough estimate - actual amount depends on many factors

Your Years to Age 6520 years

Spouse's Years to Age 6522 years

How to Apply for CPP Credit Splitting

FormISP1901

AuthorityService Canada

CostFree

Processing8-12 weeks

Either Spouse Can Apply

CPP credit splitting is not mandatory. Either spouse can apply after separation, and there is no time limit. The other spouse will be notified and given an opportunity to object.

2025 CPP Reference Amounts

Maximum Monthly (at 65)$1,433

Average Monthly Payment$831

Track Your Divorce Progress

Splitifi helps you navigate CPP credit splitting, property division, and support calculations throughout your separation.

Key Facts About CPP Credit Splitting

No Time Limit

You can apply for credit splitting at any time after separation - there is no limitation period.

Automatic if Applied

Once approved, credits are split equally for the cohabitation period regardless of who earned more.

Separate from Property

CPP credit splitting is separate from employer pension division, which follows provincial rules.

Important Disclaimer

This is an estimate only. Actual CPP calculations are complex and based on your complete contribution history. The impact of credit splitting depends on your earnings history, years of contributions, and when you start receiving benefits. Contact Service Canada or Retraite Quebec for accurate information about your specific situation.

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