Rates at a glance

Pension factors and maximums

View current and historical rates used to calculate contributions, inflation protection and more.

Contributions

DBprime and DBplus contribution rates

2025 DBprime contribution rates (for full-time members)

The 2025 contribution rates will decrease from the 2024 rates:

  • 10.2% of earnings up to the YMPE ($71,300), plus
  • 13.8% of earnings in excess of the YMPE ($71,300)

2025 CAAT RCA earnings threshold

  • $212,788.50

DBplus contribution rates (for OTRFT members)

The contribution rates for DBplus members employed by an Ontario college or related employer:

  • 9% on all T4 earnings

DBplus contribution rates (for employers that offer DBplus only)

If your members participate in DBplus only, refer to your Participation Agreement or Memorandum of Agreement for your applicable 2025 rate.

DBprime contribution and CPP charts 2004 to present

Year YMPE Below YMPE Above YMPE
2025 $71,300 10.2% 13.8%
2024 $68,500 11.2% 14.8%
2023 $66,600 11.2% 14.8%
2022 $64,900 11.2% 14.8%
2021 $61,600 11.2% 14.8%
2020 $58,700 11.2% 14.8%
2019 $57,400 11.2% 14.8%
2018 $55,900 11.2% 14.8%
2017 $55,300 11.2% 14.8%
2016 $54,900 11.2% 14.8%
2015 $53,600 11.2% 14.8%
2014 $52,500 11.2% 14.8%
Year YMPE Low rate (up to YMPE) Total up to YMPE (10.8% x $51,100)
2013 51,100 10.8% 5,518.80
YEAR YMPE Low rate (up to YMPE) Total up to YMPE (11.1% x $50,100)
2012 50,100 11.1% 5,561.10
YEAR YBE YMPE YMPE-YBE 12.1% YBE 10.3% YMPE-YBE TOTAL UP TO YMPE (10.3% +12.1%)
2011 3,500 48,300 44,800 423.50 4,614,40 5,037,90
2010 3,500 47,200 43,700 423.50 4,501.10 4,924.60
Year YBE YMPE YMPE-YBE 11.1% YBE 9.3% YMPE-YBE Total up to YMPE (9.3% +11.1%)
2009 3,500 46,300 42,800 388.50 3,980.40 4,368.90
Year YBE YMPE YMPE-YBE 10.1% YBE 8.3% YMPE-YBE Total up to YMPE (8.3% +10.1%)
2008 3,500 44,900 41,400 353.50 3,436.20 3,789.70
Year YBE YMPE YMPE-YBE 9.1% YBE 7.3% YMPE-YBE Total up to YMPE (7.3% + 9.1%)
2004 3,500 40,500 37,000 318.50 2,701.00 3,019.50
2005 3,500 41,100 37,600 318.50 2,744.80 3,063.30
2006 3,500 42,100 38,600 318.50 2,817.80 3,136.30
2007 3,500 43,700 40,200 318.50 2,934.60 3,253.10

DBprime contribution and CPP charts 1966 - 2003

YEAR YBE YMPE YMPE-YBE 6% YBE 4.2% YMPE-YBE Total up to YMPE (4.2% + 6%)
1966 600 5,000 4,400 36 184.80 220.80
1967 600 5,000 4,400 36 184.80 220.80
1968 600 5,100 4,500 36 189.00 225.00
1969 600 5,200 4,600 36 193.20 229.20
1970 600 5,300 4,700 36 197.40 233.40
1971 600 5,400 4,800 36 201.60 237.60
1972 600 5,500 4,900 36 205.80 241.80
1973 600 5,600 5,000 36 210.00 246.00
1974 700 6,600 5,900 42 247.80 289.80
1975 700 7,400 6,700 42 281.40 323.40
1976 800 8,300 7,500 48 315.00 363.00
1977 900 9,300 8,400 54 352.80 406.80
1978 1,000 10,400 9,400 60 394.80 454.80
1979 1,100 11,700 10,600 66 445.20 511.20
1980 1,300 13,100 11,800 78 495.60 573.60
1981 1,400 14,700 13,300 84 558.60 642.60
1982 1,600 16,500 14,900 96 625.80 721.80
1983 1,800 18,500 16,700 108 701.40 809.40
1984 2,000 20,800 18,800 120 789.60 909.60
1985 2,300 23,400 21,10 138 886.20 1,024.20
1986 2,500 25,800 23,300 150 978.60 1,128.60
1987 2,500 25,900 23,400 150 982.80 1,132.80
1988 2,600 26,500 23,900 156 1,003.80 1,159.80
1989 2,700 27,700 25,000 162 1,050.00 1,212.00
1990 2,800 28,900 26,100 168 1,096.20 1,264.20
1991 3,000 30,500 27,500 180 1,155.00 1,335.00
1992 3,200 32,200 29,000 *192 *1,218.00 1,410.00
Year YBE YMPE YMPE-YBE 7.6% YBE 5.8%YMPE-YBE Total up to YMPE (5.8% + 7.6%)
1993 3,300 33,400 30,100 250.80 1,745.80 1,996.60
1994 3,400 34,400 31,000 258.40 1,798.00 2,056.40
1995 3,400 34,900 31,500 258.40 1,827.00 2,085.40
1996 3,500 35,400 31,900 266.00 1,850.20 2,116.20
1997 3,500 35,800 32,300 266.00 1,873.40 2,139.40
1998 3,500 36,900 33,400 266.00 1,937.20 2,203.20
1999 3,500 37,400 33,900 266.00 1,966.20 2,232.20
2000 3,500 37,600 34,100 266.00 1,977.80 2,243.80
2001 3,500 38,300 34,800 266.00 2,018.40 2,284.40
2002 3,500 39,100 35,600 266.00 2,064.80 2,330.80
2003 3,500 39,900 36,400 266.00 2,111.20 2,377.20

 

*Figures do not take into account change in contribution rates effective July 1, 1992.

YBE - Year's Basic Exemption (as defined in the Canada Pension Plan)

YMPE - Year's Maximum Pensionable Earnings (as defined in the Canada Pension Plan)

Interest rates on member contributions

The actual interest rates that were used for determining the interest credited to member contributions in accordance with the CAAT Pension Plan.

Year up to % Rate
2024 3.10
2023 2.55
2022 0.75
2021 0.98
2020 1.45
2019 1.19
2018 1.01
2017 1.50
2016 1.50
2015 1.50
2014 1.50
2013 1.58
2012 1.71
2011 1.84
2010 1.76
2009 2.85
2008 4.25
2007 4.00
2006 3.00
2005 2.72
2004 2.99
2003 3.78
2002 3.90
2001 5.85
2000 5.40
1999 4.25
1998 4.56
1997 5.33
1996 6.70
1995 6.79
1994 5.29
1993 7.00
1992 8.50
1991 11.75
1990 11.50
1989 10.50
1988 10.0
1987 7.17
1986 7.40
1985 9.06
1984 5.00
1983 5.00
1982 5.00
1981 5.00
1980 5.00
1979 5.00
1978 5.00
1977 3.00

Inflation protection increases

(for pensions earned in the CAAT Plan)

Inflation Protection increases starting 2015 (Post 1991 service only)

Year % increase*
2025 2.02%
2024 3.58%
2023 4.71%
2022 1.81%
2021 0.78%
2020 1.47%
2019 1.62%
2018 1.17%
2017 1.01%
2016 0.96%
2015 1.29%

 

*Note that this does not apply to pre-1992 service

AIW rate for DBplus

 Year  % Increase
2025 4.02%
2024 2.99%
2023 2.48%
2022 5.43%
2021 4.98%
2020 2.25%
2019 2.72%

 

For accrued benefits under DBplus, AIW enhancements will start to be applied in 2020.

Inflation protection rates 1992-1996

 Year % increase
1992 4.0%
1993 1.26*%
1994 1.71%
1995 0.2%
1996 2.3%

 

*plus an additional 1.4% due to banking from 1992 for people who got full 1992 increase

Inflation protection increases for post 1991 service (and pre 1992 service 1996-2014)

Year % Increase
1993 0.9%
1994 1.28%
1995 0.15%
1996 1.7%
1997 1.1%
1998 1.2%
1999 0.56%
2000 1.94%
2001 2.02%
2002 1.97%
2003 1.73%
2004 1.62%
2005 1.34%
2006 2.52%
2007 0.52%
2008 1.85%
2009 2.55%
2010 0.40%
2011 1.05%
2012 2.14%
2013 1.45%
2014 0.68%

Inflation protection before 1992

Payment date Description
Jan 1, 1973 Retired in 1971-2%
Retired in 1970-4%
Retired in 1969-6%
Retired in 1968-8%
Jan 1, 1974 Dec 31,1972 Pensions 8%
plus 1973 Pensions 4%
Jan 1, 1975 Dec 31,1973 Pensions 8%
plus Pro Rated for 1974
Jan 1, 1977 Dec 31,1975 Pensions 4%
plus Pro Rated for 1976
Jan 1, 1978 Dec 31,1976 Pensions 4%
plus Pro Rated for 1977
Jan 1, 1979 Dec 31,1977 Pensions 4%
plus Pro Rated for 1978
Jan 1, 1980 Dec 31,1978 Pensions 4%
plus Pro Rated for 1979
Jan 1, 1981 Dec 31,1979 Pensions 4%
plus Pro Rated for 1980
Jan 1, 1982 Dec 31,1980 Pensions 4%
plus Pro Rated for 1981

Jan 1, 1983

 Dec 31,1981 Pensions 4%
plus Pro Rated for 1982
Jan 1, 1984 Dec 31,1982 Pensions 4%
plus Pro Rated for 1983
Jan 1, 1985 Dec 31,1983 Pensions 4%
plus Pro Rated for 1984
Jan 1, 1986 Dec 31,1984 Pensions 4%
plus Pro Rated for 1985
Jan 1, 1987 Dec 31,1985 Pensions 4%
plus Pro Rated for 1986
Jan 1, 1988 Dec 31,1986 Pensions 4%
plus Pro Rated for 1987
Jan 1, 1989 Dec 31,1987 Pensions 4%
plus Pro Rated for 1988
Jan 1, 1989 Lump Sum Adjustment 2%
July 1, 1990 Dec 31,1988 Pensions 4%
plus Pro Rated for 1989
July 1, 1991 Dec 31, 1989 Pensions 4%
plus Pro Rated for 1990

Government of Canada rates

2025 YMPE

For 2025, the Year's Maximum Pensionable Earnings (YMPE) for Canada Pension Plan contributions is $71,300.

2025 Pension Adjustment Information

 Limits Amount
Maximum pension adjustment (PA) $33,210**
Maximum benefit entitlement (BE) $3,756,67
Excluded earnings Nil

 

**Based on formula of ((9 X BE) - $600.00) for DBprime only. For DBplus, refer to the PA calculator.

2025 Money Purchase Limit for DBplus

Used to determine the maximum DBplus contributions:

  • $33,810 maximum total contributions,
  • $187,833.33 maximum earnings (for employers and members contributing at 9%)

Historical YMPE rates

Year YMPE
2025 71,300
2024 68,500
2023 66,600
2022 64,900
2021 61,600
2020 58,700
2019 57,400
2018 55,900
2017 55,300
2016 54,900
2015 53,600
2014 52,500
2013 51,100
2012 50,100
2011 48,300
2010 47,200
2009 46,300
2008 44,900
2007 43,700
2006 42,100 
2005 41,100
2004 40,500
2003 39,900
2002 39,100
2001 38,300
2000 37,600
1999 37,400
1998 36,900
1997 35,800
1996 35,400
1995 34,900
1994 34,400
1993 33,400
1992 32,200
1991 30,500
1990 28,900
1989 27,700
1988 26,500
1987 25,900
1986 25,800
1985 23,400
1984 20,800
1983 18,500
1982 16,500
1981 14,700
1980 13,100
1979 11,700
1978 10,400
1977 9,300
1976 8,300
1975 7,400
1974 6,600
1973 5,600
1972 5,500
1971 5,400
1970 5,300
1969 5,200
1968 5,100
1967 5,000
1966 5,000

Historical CRA maximum accrual

YEAR Max
2025 3,756.67
2024 3,610.00
2023 3,506.67
2022 3,420.00
2021 3,245.56
2020 3,092.22
2019 3,025.56
2018 2,944.44
2017 2,914.44
2016 2,890.00
2015 2,818.89
2014 2,770.00
2013 2,696.67
2012 2,646.67
2011 2,552.22
2010 2,494.44
2009 2,444.44
2008 2,333.33
2007 2,222.22
2006 2,111.11
2005 2,000.00
2004 1,833.33
2003 1,722.22