In 2020 the money purchase limit, or maximum combined contribution an employee and employer can contribute into an RPP, was $27,830 (18% of $154,611). What are the implications to someone whose annual salary for the 10 years leading up to retirement are greater than $154,611? This person would not be eligible for CPP. This person would suffer a reduction in their lifestyle compared to what they were used to. There would be no implications to this person. This person would need to retire later.