CPP Contributions With Future Extrapolation
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1
Year (future values based on 3% CPI increase) http://www.cra-arc.gc.ca/nwsrm/rlss/2011/m11/nr111101-eng.htmlMin Pensionable EarningsMax Pensionable EarningsContribution Rate (employee and employer each)Employee ConributionEmployee+ Employer ContributionCPP Investment Returns (from http://www.cppib.ca/ for 2000-2011, assume long term balanced portfolio average of 7% otherwise; before 2000 CPP was invested in provincial bonds at 1% more than inflation, at best)Maximum Yearly Pension (actual values from http://www.servicecanada.gc.ca/eng/isp/pub/factsheets/rates.shtml, future values assuming 3% annual cost of living increase as measured by CPI)YearContributionsinvestment returnMax Yearly PensionAccumulated Value at RetirementSustainable Yearly Investment Withdrawal RateValue Needed For Max Yearly PensionSurplus or (Deficit)Surplus or (Deficit) : Accumulated Value ratio
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3
2011$3,500$48,3004.95%$2,217.60$4,435.2011.90%$11,520.00Start year:19901990$1,148.407%$6,924.96$1,148.40$45.94$173,124.00(171,975.60)-149.75
4
2010$3,500$47,2004.95%$2,163.15$4,326.3014.90%$11,210.04End year:20301991$1,265.007%$7,258.32$2,493.79$99.75$181,458.00(178,964.21)-71.76
5
2009$3,500$46,3004.95%$2,118.60$4,237.20-18.60%$10,905.001992$1,392.007%$7,633.32$4,060.35$162.41$190,833.00(186,772.65)-46.00
6
2008$3,500$44,9004.95%$2,049.30$4,098.60-0.30%$10,614.961993$1,505.007%$8,008.32$5,849.58$233.98$200,208.00(194,358.42)-33.23
7
2007$3,500$43,7004.95%$1,989.90$3,979.8012.90%$10,365.001994$1,612.007%$8,333.28$7,871.05$314.84$208,332.00(200,460.95)-25.47
8
2006$3,500$42,1004.95%$1,910.70$3,821.4015.50%$10,134.961995$1,701.007%$8,558.28$10,123.02$404.92$213,957.00(203,833.98)-20.14
9
2005$3,500$41,1004.95%$1,861.20$3,722.408.50%$9,945.001996$1,786.407%$8,724.96$12,618.03$504.72$218,124.00(205,505.97)-16.29
10
2004$3,500$40,5004.95%$1,831.50$3,663.0017.60%$9,770.041997$1,938.007%$8,841.72$15,439.30$617.57$221,043.00(205,603.70)-13.32
11
2003$3,500$39,9004.95%$1,801.80$3,603.60-1.50%$9,615.001998$2,137.607%$8,937.48$18,657.65$746.31$223,437.00(204,779.35)-10.98
12
2002$3,500$39,1004.70%$1,673.20$3,346.404.00%$9,465.001999$2,373.007%$9,020.04$22,336.68$893.47$225,501.00(203,164.32)-9.10
13
2001$3,500$38,3004.30%$1,496.40$2,992.807.00%$9,300.002000$2,659.803.2%$9,155.04$25,711.26$1,028.45$228,876.00(203,164.74)-7.90
14
2000$3,500$37,6003.90%$1,329.90$2,659.803.20%$9,155.042001$2,992.807%$9,300.00$30,503.84$1,220.15$232,500.00(201,996.16)-6.62
15
1999$3,500$37,4003.50%$1,186.50$2,373.007.00%$9,020.042002$3,346.404%$9,465.00$35,070.40$1,402.82$236,625.00(201,554.60)-5.75
16
1998$3,500$36,9003.20%$1,068.80$2,137.607.00%$8,937.482003$3,603.60-1.5%$9,615.00$38,147.94$1,525.92$240,375.00(202,227.06)-5.30
17
1997$3,500$35,8003.00%$969.00$1,938.007.00%$8,841.722004$3,663.0017.6%$9,770.04$48,524.98$1,941.00$244,251.00(195,726.02)-4.03
18
1996$3,500$35,4002.80%$893.20$1,786.407.00%$8,724.962005$3,722.408.5%$9,945.00$56,372.00$2,254.88$248,625.00(192,253.00)-3.41
19
1995$3,400$34,9002.70%$850.50$1,701.007.00%$8,558.282006$3,821.4015.5%$10,134.96$68,931.06$2,757.24$253,374.00(184,442.94)-2.68
20
1994$3,400$34,4002.60%$806.00$1,612.007.00%$8,333.282007$3,979.8012.9%$10,365.00$81,802.97$3,272.12$259,125.00(177,322.03)-2.17
21
1993$3,300$33,4002.50%$752.50$1,505.007.00%$8,008.322008$4,098.60-0.3%$10,614.96$85,656.16$3,426.25$265,374.00(179,717.84)-2.10
22
1992$3,200$32,2002.40%$696.00$1,392.007.00%$7,633.322009$4,237.20-18.6%$10,905.00$73,961.31$2,958.45$272,625.00(198,663.69)-2.69
23
1991$3,000$30,5002.30%$632.50$1,265.007.00%$7,258.322010$4,326.3014.9%$11,210.04$89,307.85$3,572.31$280,251.00(190,943.15)-2.14
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1990$2,800$28,9002.20%$574.20$1,148.407.00%$6,924.962011$4,435.2011.9%$11,520.00$104,370.68$4,174.83$288,000.00(183,629.32)-1.76
25
1989$2,700$27,7002.10%$525.00$1,050.007.00%$6,672.962012$4,613.407%$11,840.04$116,290.03$4,651.60$296,001.00(179,710.97)-1.55
26
1988$2,600$26,5002.00%$478.00$956.007.00%$6,516.722013$4,751.807%$12,195.24$129,182.14$5,167.29$304,881.03(175,698.89)-1.36
27
1987$2,500$25,9001.90%$444.60$889.207.00%$6,258.242014$4,894.367%$12,561.10$143,119.24$5,724.77$314,027.46(170,908.22)-1.19
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1986$2,500$25,8001.80%$419.40$838.807.00%$5,833.322015$5,041.197%$12,937.93$158,178.78$6,327.15$323,448.28(165,269.51)-1.04
29
1985$2,300$23,4001.80%$379.80$759.607.00%$5,225.402016$5,192.427%$13,326.07$174,443.71$6,977.75$333,151.73(158,708.02)-0.91
30
1984$2,000$20,8001.80%$338.40$676.807.00%$4,650.002017$5,348.207%$13,725.85$192,002.97$7,680.12$343,146.29(151,143.32)-0.79
31
1983$1,800$18,5001.80%$300.60$601.207.00%$4,141.802018$5,508.647%$14,137.63$210,951.82$8,438.07$353,440.67(142,488.86)-0.68
32
1982$1,600$16,5001.80%$268.20$536.407.00%$3,691.802019$5,673.907%$14,561.76$231,392.34$9,255.69$364,043.89(132,651.55)-0.57
33
1981$1,400$14,7001.80%$239.40$478.807.00%$3,291.722020$5,844.127%$14,998.61$253,433.92$10,137.36$374,965.21(121,531.29)-0.48
34
1980$1,300$13,1001.80%$212.40$424.807.00%$2,933.282021$6,019.447%$15,448.57$277,193.74$11,087.75$386,214.17(109,020.43)-0.39
35
1979$1,100$11,7001.80%$190.80$381.607.00%$2,616.722022$6,200.027%$15,912.02$302,797.33$12,111.89$397,800.59(95,003.27)-0.31
36
1978$1,000$10,4001.80%$169.20$338.407.00%$2,333.282023$6,386.027%$16,389.38$330,379.16$13,215.17$409,734.61(79,355.45)-0.24
37
1977$900$9,3001.80%$151.20$302.407.00%$2,083.322024$6,577.617%$16,881.07$360,083.31$14,403.33$422,026.65(61,943.34)-0.17
38
1976$800$8,3001.80%$135.00$270.007.00%$1,858.322025$6,774.937%$17,387.50$392,064.07$15,682.56$434,687.45(42,623.37)-0.11
39
1975$700$7,4001.80%$120.60$241.207.00%$1,619.642026$6,978.187%$17,909.12$426,486.74$17,059.47$447,728.07(21,241.33)-0.05
40
1974$700$6,6001.80%$106.20$212.407.00%$1,315.202027$7,187.537%$18,446.40$463,528.34$18,541.13$461,159.912,368.430.01
41
1973$600$5,6001.80%$90.00$180.007.00%$1,088.522028$7,403.157%$18,999.79$503,378.48$20,135.14$474,994.7128,383.770.06
42
1972$600$5,5001.80%$88.20$176.407.00%$933.722029$7,625.257%$19,569.78$546,240.22$21,849.61$489,244.5556,995.660.10
43
1971$600$5,4001.80%$86.40$172.807.00%$783.962030$7,854.007%$20,156.88$592,331.04$23,693.24$503,921.8988,409.150.15
44
1970$600$5,3001.80%$84.60$169.207.00%$639.12$592,331.04$23,693.24$0.00592,331.041.00
45
1969$600$5,2001.80%$82.80$165.607.00%$499.44$592,331.04$23,693.24$0.00592,331.041.00
46
1968$600$5,1001.80%$81.00$162.007.00%$366.96$592,331.04$23,693.24$0.00592,331.041.00
47
1967$600$5,0001.80%$79.20$158.407.00%$239.64$592,331.04$23,693.24$0.00592,331.041.00
48
1966$600$5,0001.80%$79.20$158.407.00%$592,331.04$23,693.24$0.00592,331.041.00
49
2012$3,500$50,1004.95%$2,306.70$4,613.407.00%$11,840.04$592,331.04$23,693.24$0.00592,331.041.00
50
2013$3,605$51,6034.95%$2,375.90$4,751.807.00%$12,195.24$592,331.04$23,693.24$0.00592,331.041.00
51
2014$3,713$53,1514.95%$2,447.18$4,894.367.00%$12,561.10$592,331.04$23,693.24$0.00592,331.041.00
52
2015$3,825$54,7464.95%$2,520.59$5,041.197.00%$12,937.93$592,331.04$23,693.24$0.00592,331.041.00
53
2016$3,939$56,3884.95%$2,596.21$5,192.427.00%$13,326.07$592,331.04$23,693.24$0.00592,331.041.00
54
2017$4,057$58,0804.95%$2,674.10$5,348.207.00%$13,725.85$592,331.04$23,693.24$0.00592,331.041.00
55
2018$4,179$59,8224.95%$2,754.32$5,508.647.00%$14,137.63$592,331.04$23,693.24$0.00592,331.041.00
56
2019$4,305$61,6174.95%$2,836.95$5,673.907.00%$14,561.76$592,331.04$23,693.24$0.00592,331.041.00
57
2020$4,434$63,4654.95%$2,922.06$5,844.127.00%$14,998.61$592,331.04$23,693.24$0.00592,331.041.00
58
2021$4,567$65,3694.95%$3,009.72$6,019.447.00%$15,448.57$592,331.04$23,693.24$0.00592,331.041.00
59
2022$4,704$67,3304.95%$3,100.01$6,200.027.00%$15,912.02$592,331.04$23,693.24$0.00592,331.041.00
60
2023$4,845$69,3504.95%$3,193.01$6,386.027.00%$16,389.38$592,331.04$23,693.24$0.00592,331.041.00
61
2024$4,990$71,4314.95%$3,288.80$6,577.617.00%$16,881.07$592,331.04$23,693.24$0.00592,331.041.00
62
2025$5,140$73,5744.95%$3,387.47$6,774.937.00%$17,387.50$592,331.04$23,693.24$0.00592,331.041.00
63
2026$5,294$75,7814.95%$3,489.09$6,978.187.00%$17,909.12$592,331.04$23,693.24$0.00592,331.041.00
64
2027$5,453$78,0544.95%$3,593.76$7,187.537.00%$18,446.40$592,331.04$23,693.24$0.00592,331.041.00
65
2028$5,616$80,3964.95%$3,701.58$7,403.157.00%$18,999.79$592,331.04$23,693.24$0.00592,331.041.00
66
2029$5,785$82,8084.95%$3,812.62$7,625.257.00%$19,569.78$592,331.04$23,693.24$0.00592,331.041.00
67
2030$5,959$85,2924.95%$3,927.00$7,854.007.00%$20,156.88$592,331.04$23,693.24$0.00592,331.041.00
68
2031$6,137$87,8514.95%$4,044.81$8,089.627.00%$20,761.58$592,331.04$23,693.24$0.00592,331.041.00
69
2032$6,321$90,4864.95%$4,166.16$8,332.317.00%$21,384.43$592,331.04$23,693.24$0.00592,331.041.00
70
2033$6,511$93,2014.95%$4,291.14$8,582.287.00%$22,025.96$592,331.04$23,693.24$0.00592,331.041.00
71
2034$6,706$95,9974.95%$4,419.88$8,839.757.00%$22,686.74$592,331.04$23,693.24$0.00592,331.041.00
72
2035$6,908$98,8774.95%$4,552.47$9,104.947.00%$23,367.34$592,331.04$23,693.24$0.00592,331.041.00
73
2036$7,115$101,8434.95%$4,689.05$9,378.097.00%$24,068.36$592,331.04$23,693.24$0.00592,331.041.00
74
2037$7,328$104,8984.95%$4,829.72$9,659.447.00%$24,790.41$592,331.04$23,693.24$0.00592,331.041.00
75
2038$7,548$108,0454.95%$4,974.61$9,949.227.00%$25,534.13$592,331.04$23,693.24$0.00592,331.041.00
76
2039$7,775$111,2874.95%$5,123.85$10,247.697.00%$26,300.15$592,331.04$23,693.24$0.00592,331.041.00
77
2040$8,008$114,6254.95%$5,277.56$10,555.137.00%$27,089.16$592,331.04$23,693.24$0.00592,331.041.00
78
2041$8,248$118,0644.95%$5,435.89$10,871.787.00%$27,901.83$592,331.04$23,693.24$0.00592,331.041.00
79
2042$8,495$121,6064.95%$5,598.97$11,197.937.00%$28,738.88$592,331.04$23,693.24$0.00592,331.041.00
80
2043$8,750$125,2544.95%$5,766.94$11,533.877.00%$29,601.05$592,331.04$23,693.24$0.00592,331.041.00
81
2044$9,013$129,0124.95%$5,939.94$11,879.897.00%$30,489.08$592,331.04$23,693.24$0.00592,331.041.00
82
2045$9,283$132,8824.95%$6,118.14$12,236.287.00%$31,403.76$592,331.04$23,693.24$0.00592,331.041.00
83
2046$9,562$136,8684.95%$6,301.69$12,603.377.00%$32,345.87$592,331.04$23,693.24$0.00592,331.041.00
84
2047$9,849$140,9754.95%$6,490.74$12,981.477.00%$33,316.24$592,331.04$23,693.24$0.00592,331.041.00
85
2048$10,144$145,2044.95%$6,685.46$13,370.927.00%$34,315.73$592,331.04$23,693.24$0.00592,331.041.00
86
2049$10,448$149,5604.95%$6,886.02$13,772.047.00%$35,345.20$592,331.04$23,693.24$0.00592,331.041.00
87
2050$10,762$154,0474.95%$7,092.60$14,185.217.00%$36,405.56$592,331.04$23,693.24$0.00592,331.041.00
88
2051$11,085$158,6684.95%$7,305.38$14,610.767.00%$37,497.73$592,331.04$23,693.24$0.00592,331.041.00
89
2052$11,417$163,4284.95%$7,524.54$15,049.097.00%$38,622.66$592,331.04$23,693.24$0.00592,331.041.00
90
2053$11,760$168,3314.95%$7,750.28$15,500.567.00%$39,781.34$592,331.04$23,693.24$0.00592,331.041.00
91
2054$12,112$173,3814.95%$7,982.79$15,965.577.00%$40,974.78$592,331.04$23,693.24$0.00592,331.041.00
92
2055$12,476$178,5824.95%$8,222.27$16,444.547.00%$42,204.02$592,331.04$23,693.24$0.00592,331.041.00
93
2056$12,850$183,9404.95%$8,468.94$16,937.887.00%$43,470.14$592,331.04$23,693.24$0.00592,331.041.00
94
2057$13,236$189,4584.95%$8,723.01$17,446.017.00%$44,774.25$592,331.04$23,693.24$0.00592,331.041.00
95
2058$13,633$195,1424.95%$8,984.70$17,969.397.00%$46,117.47$592,331.04$23,693.24$0.00592,331.041.00
96
2059$14,042$200,9964.95%$9,254.24$18,508.487.00%$47,501.00$592,331.04$23,693.24$0.00592,331.041.00
97
2060$14,463$207,0264.95%$9,531.87$19,063.737.00%$48,926.03$592,331.04$23,693.24$0.00592,331.041.00
98
2061$14,897$213,2374.95%$9,817.82$19,635.647.00%$50,393.81$592,331.04$23,693.24$0.00592,331.041.00
99
2062$15,344$219,6344.95%$10,112.36$20,224.717.00%$51,905.62$592,331.04$23,693.24$0.00592,331.041.00
100
2063$15,804$226,2234.95%$10,415.73$20,831.457.00%$53,462.79$592,331.04$23,693.24$0.00592,331.041.00
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Sheet1
CPP returns