Your CPP Statement of Contributions is the record Service Canada uses to calculate your CPP pension: every year you contributed, the earnings you contributed on, and an estimate of your pension depending on when you start. This page explains how to get it, how to read it, and what to do if a year looks wrong. It is part of the Canada Pension Plan hub.
How to get it
- Online. Sign in to My Service Canada Account and open the Canada Pension Plan section.
- By phone. Call Service Canada at 1-800-277-9914 and ask for an official paper copy.
- By mail. Write to Contributor Client Services, Canada Pension Plan, Service Canada, PO Box 818 Station Main, Winnipeg MB R3C 2N4.
If you worked in Quebec, those years are in the Quebec Pension Plan instead, and your record is with Retraite Québec. Periods under both plans are used together when a pension is calculated.
How to read it
Each row is a calendar year:
| Column | What it shows |
|---|---|
| Pensionable earnings | Your CPP-covered earnings for the year, up to that year’s maximum (the YMPE) |
| Contributions | What you paid. Employers pay an equal amount; self-employed people pay both shares |
| CPP2 (from 2024) | Contributions on earnings between the YMPE and the second ceiling (the YAMPE), where they apply |
A blank or low year usually means no CPP-covered earnings that year, or earnings below the basic exemption: for example while in school, working outside Canada, or not working. Pensionable earnings stop at the YMPE, so a year’s figure can be lower than your salary. This year’s limits and rates are on the CPP contribution rates page, and CPP2 is explained in CPP enhancement and CPP2.
My Service Canada Account also gives an estimate of your pension (“View my benefit estimates”). The estimates rest on assumptions about your future contributions, so they change as your earnings do; the estimator in My Service Canada Account lets you try other assumptions. How to weigh the start age is covered in CPP at 60 vs 65 vs 70, and the CPP calculator turns an estimate at 65 into amounts at each start age.
Gaps and low years
Low or zero years don’t all count against you. When your pension is calculated:
- General drop-out. Up to 8 years of your lowest earnings are dropped automatically from the base part of the pension; the enhanced part, built since 2019, uses your best 40 years.
- Child-rearing drop-out. Periods when you had low or no earnings because you were the primary caregiver of a child under 7 can be left out of your CPP calculation, if the children were born after December 31, 1958 and you or your spouse received Family Allowance or qualified for the Canada child benefit; you apply for it when you apply for any CPP benefit.
- Disability. Months when you received the CPP disability pension are left out of the base part and credited in the enhanced part.
To receive the maximum pension you need to have contributed at the maximum for about 39 years of base contributions; years beyond what the drop-outs cover reduce the pension. The enhanced part, built only since 2019, is averaged over your best 40 years, so for someone retiring now every year since 2019 counts: the maximum also needs maximum contributions in each of those years, including CPP2 on earnings up to the second ceiling (the YAMPE) since 2024. Why your CPP may be less than you expected works through the calculation. You can’t make voluntary contributions for past years.
If a year looks wrong
| What you see | Likely reason | What to do |
|---|---|---|
| A year you worked shows nothing | Earnings not reported, or reported under a different SIN | Contact Service Canada with your T4 slips for that year |
| Only one employer appears in a year you had two | A T4 wasn’t filed or processed | Check that both T4s were filed; contact Service Canada |
| A self-employed year shows nothing | CPP on self-employment income is paid with your tax return (Schedule 8) | Check that the return for that year was filed with Schedule 8 |
| Contributions under a former name | Records not linked after a name change | Contact Service Canada with proof of the name change |
| Years worked abroad are missing | They are not part of your CPP record | A social security agreement may let those periods count towards eligibility |
Working after you start your pension
If you keep working while receiving your pension, the contributions you make earn a post-retirement benefit, added to your pension the following year. From 65 to 70 you can choose to stop contributing, and contributions end at 70.
Sources
The figures and rules on this page come from these sources, last checked against them between September 22, 2026 and September 30, 2026. How we check facts.
- Canada Revenue Agency: The Canada Pension Plan enhancement
- Employment and Social Development Canada: Contact Old Age Security
- Government of Canada: CPP: When to start your retirement pension
- Government of Canada: CPP: How much you could receive
- Government of Canada: Canada Pension Plan enhancement
- Government of Canada: CPP: Child-rearing provisions