Phase 1: Canada Pension Plan (CPP) enhancement Consultation for Self-Employed

Are you self-employed and thinking about retirement? Are you just getting started with your business and unsure of your tax obligations? Are you looking for information but don’t know where to begin?

We want to make sure you have helpful tools and clear information.

By taking a few minutes to complete our questionnaire, we’ll be able to design and improve our resources for self-employed people like you.

Canada Pension Plan enhancement

Beginning on January 1, 2019, Canadians contributed more to the Canada Pension Plan (CPP). This change, known as the CPP enhancement, is designed to help increase retirement income for working Canadians and their families.

How will the CPP enhancement affect you?

  • Your benefits will gradually increase as you contribute more to the CPP. Starting in 2019, annual CPP contribution rates will rise modestly over seven years.
  • How much your CPP benefits increase will depend on how much and for how long you contributed to the enhancement.
  • The CPP enhancement will affect you only if you work and contribute in 2019 or later.
  • For 2019 and subsequent years, you will be able to deduct all of the additional contributions you make to the enhanced portion of the CPP for tax purposes.

Retired, no longer working or working in Quebec?

  • If you retired or did not work in 2019, nothing will change for you and your CPP benefits will not increase.
  • If you work in Quebec, you will not be affected by the CPP enhancement, because you will contribute to the Quebec Pension Plan (QPP). The QPP has also been enhanced in a similar fashion to the CPP enhancement (including tax deductibility of all additional contributions to the enhanced portion of the QPP made by self-employed persons).

Participate now

You can participate in all sections or simply the ones you are most interested in. To provide your feedback, click on the links below.

An Ongoing Discussion

We will share the findings from the consultation at a later date.  Opt in to receive notifications when new content is posted.

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Are you currently planning your retirement?

Yes, I am counting down the days!
11% (6 votes)
Yes, but it's not in my immediate future
56% (31 votes)
No, but I think I should be
22% (12 votes)
No, I am not thinking about it at all
11% (6 votes)
Total votes: 55

Take a look at an example of a self-employed person's contributions. Discuss what you think we should do to make the information easy to understand.