Canada Pension Plan

The CPP provides a monthly retirement pension based on how much and how long you contributed while working. Your statement summarizes contributions and may include an illustrative estimate at a future retirement age.

CPP retirement, disability, survivor, and children’s benefits share one earnings record but apply different legal tests. Quebec workers participate in QPP instead for provincial employment; mobility between provinces shows up as split records in real life. Contribution rates and the Year’s Maximum Pensionable Earnings (YMPE) change with legislation—never treat a classroom snapshot as a promise.

Boxes 16 and 17 on your T4 show employee CPP/QPP contributions; self-employed filers pay both portions on their return.

Contribution profile

Account status: contributing. First contribution year: 2014. Years contributed (estimate): 12. YMPE reference (2026): $71,300. Last statement: 2026-01-15. CPP account number (masked): CPP•••••9182.

Contributions year-to-date (2026)

Employee contributions YTD (masked): $•,•••. Employer match YTD (masked): $•,•••.

Illustrative retirement estimate

Illustrative retirement estimate only; actual benefits depend on future earnings, contribution rates, and legislation.

Estimated monthly pension at age 65 (masked): $•,•••.

T4 slips Notice of Assessment Old Age Security & GIS Workplace pension Disability benefits