CPP & EI Maximums 2027 (Projected)

Not officially set yet. The 2027 YMPE (Year's Maximum Pensionable Earnings) is wage-indexed and CRA typically confirms it around November 2026 — the confirmed 2026 YMPE is $74,600. What IS already fixed by law for 2027: the CPP1 employee rate drops to 5.75% from 5.95%, because Bill C-30 cuts the base CPP rate from 9.9% to 9.5% (split equally between employee and employer); the CPP2 rate stays at 4.00%; and the YAMPE will equal 114% of whatever the 2027 YMPE turns out to be.

Confirmed. On September 14, 2026 the Canada Employment Insurance Commission set the 2027 employee premium rate at 1.64% ($1.64 per $100, up from 1.63% in 2026) and raised the Maximum Insurable Earnings to $70,800 from $68,900. The maximum employee premium is $1,161.12 and the maximum employer premium is $1,625.57 per employee. In Quebec the employee rate is 1.29%, for a maximum of $913.32.

The Canada Pension Plan Act sets the YMPE by a fixed formula (s.18) — the prior year's YMPE multiplied by the ratio of average weekly wages for the 12 months ending June 30 of the current year versus the same period a year earlier, rounded down to the next $100 — but the underlying Statistics Canada wage data for that window is not fully available and finalized until later in the year, which is why CRA does not publish the following year's YMPE until around November.

Whatever 114% of the 2027 YMPE works out to, rounded down to the next $100 — that ratio is fixed by CPP Act s.18.1(1)(b) for "2025 and each subsequent year," so once the YMPE is confirmed, the YAMPE follows automatically with no separate announcement needed.

Yes, with a caveat. OSFI's Office of the Chief Actuary publishes long-range CPP funding projections in its periodic Actuarial Report. The 32nd Actuarial Report (Revised) projects a 2027 YMPE of $75,600 and YAMPE of $86,100 — but this is a smoothed, long-term funding assumption (0.8% real wage growth plus inflation), not a short-term forecast: the same report's own 2026 YMPE assumption ($73,400) came in $1,200 BELOW the actual confirmed 2026 figure of $74,600. Treat the actuarial figures as directional, not as the number CRA will announce.

The EI figures are already confirmed: the CEIC announced the 2027 premium rate and Maximum Insurable Earnings on September 14, 2026, its statutory deadline (EIA s.66(9)). The CPP figures (YMPE, YAMPE) have no statutory deadline but have historically been published around November 1 each year for the following year — the 2026 figures were confirmed on that schedule. This page will be updated with the real CPP numbers as soon as they land.