The CPP Statement of Contributions is Service Canada’s record of your work earnings and what you’ve paid into the Canada Pension Plan each year. It also gives an estimate of your CPP pension if you or your family could get it now. It’s worth checking every few years, because mistakes are much easier to fix before you retire.
What it looks like and who sends it
It comes from Service Canada. Most people view it online in My Service Canada Account (MSCA). You can also ask for an official copy by mail.
It has a table with one row per year, starting the year you turned 18 (or 1966, whichever is later). It ends when you start your CPP retirement pension or disability benefit, or the year you turn 70. For each year it shows:
- Your pensionable earnings: what you earned from work or self-employment, counted between a minimum and a maximum amount
- Your contributions: what you paid into CPP that year
The “date of statement” is just the day it was printed.
What it means in plain words
You only pay CPP on earnings above a small minimum, called the basic exemption, and up to a yearly maximum. If you earned less than the minimum, the year shows zero. If you earned more than the maximum, it shows the maximum. In 2026, the main maximum is $74,600, with a second, higher band up to $85,000 under the CPP enhancement.
The letter codes
| Code | Where it appears | What it means |
|---|---|---|
| B | Pensionable earnings | Earnings were below the basic exemption, so no valid contribution that year |
| M | Pensionable earnings | You earned the maximum and made the maximum contribution |
| CS | Pensionable earnings | Credit split: CPP credits were shared with a former spouse or partner |
| P | Pensionable earnings | Contributions toward a post-retirement benefit |
| E | Pensionable earnings | Child-rearing drop-in: credits added for years you cared for a child under 7 |
| S | Contributions | Some or all contributions were from self-employment |
| Q | Contributions | You paid into the Quebec Pension Plan that year |
| CQ | Contributions | You paid into both CPP and QPP that year |
“Not yet available” for the current year just means the CRA hasn’t sent the information yet. It will show next year if you file your taxes.
Do you need to act?
Usually not. But check these things:
- your name and date of birth
- years you worked but that show zero or very low earnings
- years that look too low compared with your T4 slips
Service Canada says to contact CPP immediately if you disagree with any figures. Your CPP pension and other benefits, including the post-retirement benefit, depend on this record.
Exactly what to do
To get your statement
- Sign in to MSCA, or register.
- Go to the Canada Pension Plan section.
- Choose “View my contributions” for the full record, or “View my benefit estimates” for your estimate.
You can print it, or ask for an official copy to be mailed. If you’ve only lived and worked in Quebec, or you live in Quebec now, you can’t see it in MSCA. Contact Retraite Québec instead.
By mail, write to: Contributor Client Services, Canada Pension Plan, Service Canada, PO Box 818 Station Main, Winnipeg MB R3C 2N4.
To fix a mistake
- If you were an employee: send a copy of your T4 slip for each year, or a signed letter on company letterhead from each employer confirming your earnings and CPP contributions.
- If you were self-employed: send a copy of your tax return and your Notice of Assessment for each year.
Call CPP first to ask where to send them.
If you need it for court
The printout from MSCA counts as a legal document unless it’s challenged in court. If it is, ask for an official paper copy through MSCA or by calling CPP.
How to check it’s real
- The real statement is in your MSCA account, which you reach by typing canada.ca into your browser yourself.
- A paper copy comes by mail from Service Canada in a beige or white envelope with the Canada wordmark.
- Service Canada won’t text or email you a link to “see your CPP statement” or ask for personal information that way.
Who to call
- CPP line: 1-800-277-9914 (TTY 1-800-255-4786), Monday to Friday, 8:30 am to 4:30 pm local time.
- To report a scam: Canadian Anti-Fraud Centre, 1-888-495-8501.