Viewing Your CPP Statement of Contributions

Why check your statement?

Your Statement of Contributions is the official record of your pensionable earnings and CPP contributions for every year you worked. Reviewing it means your retirement planning is built on your real numbers, not guesses.

• See your full history in one place — every year of pensionable earnings and contributions, laid out clearly.
• Estimate your benefit — the statement estimates what your CPP pension would be if you qualified today.
• Spot gaps early — parental leave, school, or time out of the workforce show up plainly while there is still time to plan around them.
• Time your CPP start with confidence — decisions about taking CPP at 60, 65, or 70 are easier with verified figures in hand.

Have these ready

It streamlines the process and reduces the chance of errors.

• Social Insurance Number (SIN) — Your 9-digit SIN.
• Date of birth — As on file with Service Canada.
• A sign-in option — My Service Canada Account (MSCA) offers a GCKey (a Government of Canada username and password you create) or a Sign-In Partner such as your online banking, plus provincial partners where offered. The option you register with is the one you will use each time.

Steps to view your statement

Your record, year by year

Your statement lays out your CPP record so you can verify it at a glance.

• Pensionable earnings by year — the earnings your contributions were based on. The list starts the year you turn 18 (or 1966, whichever is later).
• Contributions by year — what you paid in. Employees and employers pay equal amounts; if you are self-employed you pay both halves.
• Benefit estimate — what your CPP pension would be if you or your family qualified today.

Reading the letter codes

2026 contribution facts

These figures determine how much you and your employer contribute this year, and they appear on your statement as the year closes.

Sources: CRA CPP contribution rates, maximums and exemptions; CRA second additional CPP (CPP2) rates and maximums.

Make sure it is right

Your statement is only useful if it is accurate. Give it a careful once-over.

• Compare against your T4 slips — the earnings and contributions shown should line up with what your slips report.
• Look for missing years — every year you worked should appear. Gaps affect your benefit calculation.
• Current year shows "not yet available"? — that is normal until the CRA reports your earnings to the CPP. It appears after you file your return.
• If anything looks wrong, contact Service Canada right away — errors are far easier to fix early than years later.

How to correct a missing or wrong year

• Employed — send copies of your T4 slip(s), or a signed letter on company letterhead from each employer confirming your earnings and CPP contributions for the year(s) in question.
• Self-employed — send a copy of your T1 income tax return along with your Notice of Assessment for the year(s) in question.

Who can see what

Your CPP statement lives in My Service Canada Account, a separate system from your CRA account. Authorizing Marie as your representative with the CRA does not extend to Service Canada.

Ways to get your CPP numbers to Marie

• Share a printout or PDF — download your statement from My Service Canada Account and bring or send it to our office. This is the simplest option.
• Review it together — sit down with Marie (in person or by video) and open your statement together during your review.
• Consent to communicate (optional) — you can authorize Marie to speak with Service Canada about your CPP using the "Give consent to communicate on my behalf" option in My Service Canada Account, or Service Canada form ISP-1603. This lets Service Canada discuss your CPP with her. It does not give her a login to your account.

CPP basics worth knowing

Once your numbers are verified, these are the points that matter most when planning your start date.

• Maximum CPP at 65 (2026) — $1,507.65 per month. Very few people receive the maximum; your amount depends on how long you contributed and how much you earned.
• Starting early — CPP is reduced by 0.6% for each month before 65, up to 36% if you start at 60.
• Starting late — CPP increases by 0.7% for each month after 65, up to 42% if you start at 70.
• Lower-earning years — CPP drops out up to 17% of your lowest-earning months when calculating your pension, and the child-rearing provision protects years spent raising children under 7.
• Working while receiving CPP — if you keep working while collecting CPP, you may keep contributing and earn a post-retirement benefit that adds to your pension.