Canadian North — DC Pension Estimator

Career inputs

Current age — 30

Upgrade to Captain at step 8

Annual block hours 930 hrs

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Pilot contribution (optional, 0–6%)

Mandatory company contribution 2% of salary (always)

Pilot voluntary contribution 6.0%

Company match (50% of pilot %) 3.0%

Total into DC 11.0%

Pilot voluntary % 6.0%

Return & wage assumptions

Gross return (accumulation) 7.0%

Fund MER 0.55%

Annual wage escalation 2.50%

DC balance at 65

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Total contributed

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Peak annual salary

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Career earnings

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base salary only, to age 65

DC balance Cumulative contributions Annual salary (right axis)

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Pay scale reference — CNB 2026 (737 fleet, before wage escalation)

First Officer

Captain

Base rates sourced from the CNB 2026 collective agreement (737 fleet, minimum annual guarantee). Annual wage escalation compounds on top of the step scale each year. FO salary caps at F-12 (escalated) until Captain upgrade; Captain resets to C-1 at upgrade. Projections are illustrative only and do not constitute financial advice. Actual DC balances will vary based on fund performance, contribution timing, and plan terms.