CPP & EI Calculator
Calculate Canada Pension Plan (CPP) contributions — including CPP2 — and Employment Insurance (EI) premiums based on your annual employment income.
Income & Location
CPP Contributions
EI Premiums
Your employer also contributes $4,246 CPP on your behalf (equal to your CPP contribution).
Deduction Breakdown
See your full payroll breakdown per paycheque → Payroll Deductions Calculator
CPP & EI Explained
Frequently asked questions
How much CPP do I pay in 2026?
For 2026, CPP1 is 5.95% on earnings between the $3,500 basic exemption and the YMPE of $74,600. Your employer matches this contribution dollar-for-dollar. The maximum employee CPP1 contribution for 2026 is approximately $4,225.
What is CPP2?
CPP2 is the second-tier CPP contribution introduced in 2024. It applies at 4% on earnings between the first earnings ceiling (YMPE $74,600 in 2026) and the second ceiling (YAMPE $85,000 in 2026). Your employer also matches CPP2 contributions, and the additional contributions translate into a higher CPP retirement benefit.
Why is the EI rate different in Quebec?
Quebec residents pay a lower EI rate of 1.30% (vs 1.63% elsewhere) because they contribute to the Quebec Parental Insurance Plan (QPIP), which covers maternity and parental benefits that EI provides outside Quebec.
What is the EI maximum insurable earnings for 2026?
For 2026, EI maximum insurable earnings (MIE) is $68,900. Employees pay EI premiums of 1.63% (1.30% in Quebec) on insurable earnings up to this ceiling. Employers pay 1.4× the employee premium.
Sources
Last updated April 2026. Reflects 2026 tax year rates.