Pension contribution rates for the 3 major public sector pension plans

Contribution rates for the public service, the Canadian Armed Forces–Regular Force and the Royal Canadian Mounted Police pension plans will change as of January 1, 2023. These changes ensure the sustainability of the public sector pension plans.

Pension plan members contribute a percentage of their salary to the plans through payroll deductions.

Table of contents

Public service pension plan contribution rates effective January 1, 2023

Contribution Rates Table A applies to:

  • public service pension plan members who were contributing to in the plan before January 1, 2013
  • public service pension plan members who are employed or deemed to be employed in operational service with Correctional Service Canada
Contribution Rates Table A for 2023
From your salary… In 2021 you contributed… In 2022 you contributed… In 2023 you will contribute…
On earnings up to the maximum covered by the Canada Pension Plan/Quebec Pension Plan ($66,600 in 2023) 9.83% 9.36% 9.35%
On earnings over the maximum covered by the Canada Pension Plan/Quebec Pension Plan 12.26% 12.48% 12.37%

Note: Contribution rates are reduced to 1% of salary for all plan members who reach the maximum 35 years of pensionable service.

If you accumulate deemed operational service, you make an additional contribution of 0.62% of your salary to the pension plan for that service.

Contribution Rates Table B applies to:

  • public service pension plan members who began participating in the plan on or after January 1, 2013
Contribution Rates Table B for 2023
From your salary… In 2021 you contributed… In 2022 you contributed… In 2023 you will contribute…
On earnings up to the maximum covered by the Canada Pension Plan/Quebec Pension Plan ($66,600 in 2023) 8.89% 7.95% 7.93%
On earnings over the maximum covered by the Canada Pension Plan/Quebec Pension Plan 10.59% 11.82% 11.72%

Note: Contribution rates are reduced to 1% of salary for all plan members who reach the maximum 35 years of pensionable service.

Why are the contribution rates in Table B different than those in Table A?

Employees who became public service pension plan members on or after January 1, 2013, are eligible for an unreduced pension at age 65. These plan members pay lower contribution rates because they must generally wait 5 years longer before they can access an unreduced retirement benefit (that is, the cost of their pension benefits will be lower, so their contributions will be lower than those who are eligible to receive unreduced pension benefits at age 60.)

More information

If you would like more information about how to calculate your pension, see the Public Service Pension Contribution Rates web page.

Canadian Armed Forces–Regular Force pension plan contribution rates effective January 1, 2023

Contribution Rates Table
From your salary… In 2021 you contributed… In 2022 you contributed… In 2023 you will contribute…
On earnings up to the maximum covered by the Canada Pension Plan/Quebec Pension Plan ($66,600 in 2023) 9.83% 9.36% 9.35%
On earnings over the maximum covered by the Canada Pension Plan/Quebec Pension Plan 12.26% 12.48% 12.37%

Note: Contribution rates are reduced to 1% of salary for all plan members who reach the maximum 35 years of pensionable service.

More information

If you would like more information about how to calculate your pension, see the Canadian Armed Forces pensions web page.

Royal Canadian Mounted Police pension plan contribution rates effective January 1, 2023

Contribution Rates Table
From your salary… In 2021 you contributed… In 2022 you contributed… In 2023 you will contribute…
On earnings up to the maximum covered by the Canada Pension Plan/Quebec Pension Plan ($66,600 in 2023) 9.83% 9.36% 9.35%
On earnings over the maximum covered by the Canada Pension Plan/Quebec Pension Plan 12.26% 12.48% 12.37%

Note: Contribution rates are reduced to 1% of salary for all plan members who reach the maximum 35 years of pensionable service.

More information

If you would like more information about how to calculate your pension, see the Pension and benefits for the Royal Canadian Mounted Police web page.

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