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 (RCMP) pension plans change every January 1. These changes ensure proper funding of the public sector pension plans.

As a plan member, a portion of your salary goes toward your pension through payroll deductions. The rates at which you pay are based on your salary up to and above the year’s maximum pensionable earnings (YMPE).

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Contribution rates effective January 1, 2025

Group 1

If you are a:

  • public service pension plan member who began paying into the plan before January 1, 2013
  • public service pension plan member who is employed or deemed to be employed in operational service with Correctional Service Canada
  • member of the Canadian Armed Forces – Regular Force pension plan
  • member of the RCMP pension plan

Your contribution rates for 2025 are:

  • 9.06% up to the YMPE (9.35% in 2024)
  • 11.64% above the YMPE (12.25% in 2024)

Group 2

If you are a public service pension plan member who began paying into the plan after December 31, 2012, your contribution rates for 2025 are:

  • 7.95% up to the YMPE (7.94% in 2024)
  • 10.53% above the YMPE (11.54% in 2024)

Notes

  • The YMPE is $71,300 in 2025 ($68,500 in 2024).
  • Once you’ve completed the maximum 35 years of pensionable service, you pay 1% of your salary into the pension fund.
  • If you accumulate deemed operational service, you pay an additional 0.62% of your salary into the pension plan for that service.

More information

Are you a member of the public service pension plan?

For more information, visit the Public Service Pension Contribution Rates page and the Funding of the Public Service Pension Plan page.

Are you a member of the Canadian Armed Forces pension plan?

For more information, visit the Canadian Armed Forces pensions page.

Are you a member of the RCMP pension plan?

For more information, visit the Pension and benefits for the Royal Canadian Mounted Police page.

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