Rates at a glance

Pension factors and maximums

View current and historical rates used to administer DBprime and DBplus.

Contributions

DBprime and DBplus contribution rates

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)

$212,788.50

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

9% on all T4 earnings

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

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

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)

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
2025	3.20
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)

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

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.

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

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%

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

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

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.

Used to determine the maximum DBplus contributions:

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

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

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

Rates at a glance

Pension factors and maximums

Contributions

2025 DBprime contribution rates (for full-time members)

2025 CAAT RCA earnings threshold

DBplus contribution rates (for OTRFT members)

DBplus contribution rates (for employers that offer DBplus only)

DBprime contribution and CPP charts 2004 to present

DBprime contribution and CPP charts 1966 - 2003

Interest rates on member contributions

Inflation protection increases

(for pensions earned in the CAAT Plan)

Inflation Protection increases starting 2015 (Post 1991 service only)

AIW rate for DBplus

Inflation protection rates 1992-1996

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

Inflation protection before 1992

Government of Canada rates

2025 YMPE

2025 Pension Adjustment Information

2025 Money Purchase Limit for DBplus

Historical YMPE rates

Historical CRA maximum accrual