CPT20: Election to Pay Canada Pension Plan Contributions
CPT20 is the Canada Revenue Agency form individuals use to elect to pay Canada Pension Plan (CPP) contributions on certain income that CPP was not already deducted from.
This is the genuine CRA PDF, unmodified. Source: CRA official page.
What is CPT20?
CPT20, Election to Pay Canada Pension Plan Contributions, lets an individual choose to pay CPP contributions on eligible earnings that were not otherwise pensionable, such as certain employment income where CPP was not withheld. Making the election can help build your CPP contributions for the year.
CPT20 is a dynamic PDF that the CRA publishes in Adobe XFA format. It does not fill in a web browser, so it will not display in the in-browser editor or quick-fill form here. Download it and open it in Adobe Acrobat Reader to complete the fields, then file it with your income tax and benefit return.
Who files CPT20?
- Individuals electing to pay CPP on income not already subject to CPP
- Employees whose earnings did not have CPP withheld but qualify for the election
- Taxpayers listing the eligible earnings they want to contribute on
- People building their CPP contributions for a given tax year
How to fill out CPT20
- Download the form and open it in Adobe Acrobat Reader, since it is a dynamic PDF that will not fill in a browser.
- Enter your name, social insurance number, and the tax year.
- List the eligible earnings you are electing to pay CPP contributions on.
- Calculate the contributions as directed on the form.
- File the completed CPT20 with your income tax and benefit return to the Canada Revenue Agency.
Get CPT20
This is a dynamic PDF from CRA: it only fills in correctly in Adobe Acrobat Reader, so there is no in-browser fill here. Download the genuine CPT20 below and open it in the free Adobe Acrobat Reader to complete and save it.
Download the official CPT20 PDFFrequently asked questions
Why would I choose to pay more CPP?
Electing to pay CPP on eligible income adds to your CPP contributions for the year, which can affect your future CPP benefits. Whether it helps depends on your situation, so review the CRA guidance or speak with a tax adviser.
How do I submit CPT20?
Complete the form in Adobe Acrobat Reader, then file it with your income tax and benefit return for the year. It is submitted to the Canada Revenue Agency as part of your return.