How To Check Your Pension

Why Check Your Pension?

Knowing how much you’ve saved for retirement — and where it’s coming from — helps you plan your future with confidence. Whether you’re decades from retiring or just a few years away, it’s important to track your pension entitlements so you can make informed financial decisions.

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1. Canada Pension Plan (CPP)

To check your CPP contributions and estimated benefits:

• Log in to your My Service Canada Account
  
  
• Go to the "Canada Pension Plan / Old Age Security" section
  
  
• You’ll see your contribution history and an estimate of your future monthly retirement pension
  
  

Make sure your employment history is accurate — your CPP is based on your earnings and contributions.

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2. Quebec Pension Plan (QPP)

If you live or work in Quebec, check your QPP info through Retraite Québec:

• Log in to your My Retraite Québec Account
  
  
• View your Statement of Participation
  
  
• It shows your contribution record, estimated retirement pension, and other potential benefits (e.g., disability, survivor benefits)

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3. Workplace Pensions

If you have a defined benefit or defined contribution pension through your employer:

• Contact your HR department or pension administrator
  
  
• Ask for your annual pension statement, which outlines:
  
  
  
  • Your contributions
    
    
  • Your accrued pension value
    
    
  • Your projected monthly income at retirement
    
    

Some employers also offer online portals to track your pension in real time.

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4. Personal Retirement Plans (RRSPs, TFSAs, etc.)

If you’ve been saving for retirement using RRSPs or TFSAs:

• Log into your online banking or investment platform (e.g., Wealthsimple, RBC, Questrade)
  
  
• Review your account balance, investment performance, and contributions
  
  
• You can also view your RRSP contribution room through your CRA My Account

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5. Old Age Security (OAS)

OAS is not based on contributions but on how long you’ve lived in Canada. You can:

• Check your eligibility and payment info in your My Service Canada Account
  
  
• Estimate your benefit using Service Canada's OAS estimator tool

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Key Takeaways

• Check your pension regularly to understand what you’ll receive and when
  
  
• Use My Service Canada for CPP and OAS, or Retraite Québec for QPP
  
  
• Request statements from your employer or financial institutions for other plans
  
  
• Track and update your retirement strategy based on this information

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