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Canada Pension Plan (CPP) overview graphic for newcomers showing the age 65 standard retirement benchmark

How Does CPP (Canada Pension Plan) Work for Newcomers?

Caglar Aybas

Every paycheque in Canada shows a deduction labelled CPP, and most newcomers assume it works like a retirement plan back ...

Self-employed freelancer calculating CPP contributions and taxes in Canada

How Self-Employed and Freelancers Pay CPP and Taxes in Canada (No Employer Withholding)

Caglar Aybas

Quick Answer If you’re self-employed, freelancing, or working as an independent contractor in Canada, no employer withholds tax, CPP, or ...

New CPP Payments To Be Sent Canada-Wide On December 22

CPP and OAS: How They Work and the Full 2026 Payment Schedule

Caglar Aybas

Updated July 2026. The Canada Pension Plan (CPP) and Old Age Security (OAS) are Canada’s two main public retirement income ...

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