CPP & EI Calculator · 2026
CPP & EI calculator (Canada)
For 2026, employees pay CPP at 5.95% on earnings between $3,500 and $74,600 (max $4,230.45), plus CPP2 at 4% up to $85,000 (max $416), and EI at 1.63% on earnings up to $68,900 (max $1,123.07). Enter your salary below to see your deductions per year and per paycheque.
CPP (base)
—
5.95%
CPP2
—
4% over $74,600
EI premium
—
1.63%
Total CPP + EI
—
per year
Per paycheque
—
CPP + EI
Income after CPP + EI
—
before income tax
The math, in one line
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| CPP rate (employee) | 5.95% |
| CPP basic exemption | $3,500 |
| CPP ceiling (YMPE) | $74,600 |
| Max base CPP | $4,230.45 |
| CPP2 rate | 4.00% |
| CPP2 ceiling (YAMPE) | $85,000 |
| Max CPP2 | $416.00 |
| EI rate (outside Quebec) | 1.63% |
| EI max insurable earnings | $68,900 |
| Max EI premium | $1,123.07 |
These are the employee amounts. Employers match CPP and CPP2, and pay EI at 1.4× the employee premium. Figures are for employees outside Quebec; Quebec uses QPP, QPIP, and a reduced EI rate.
Frequently asked questions
How much CPP do I pay in 2026?
5.95% on earnings between $3,500 and $74,600 (max $4,230.45), plus CPP2 at 4% from $74,600 to $85,000 (up to $416 more). Employers match it.
How much EI do I pay in 2026?
Outside Quebec, 1.63% on insurable earnings up to $68,900 — a maximum of $1,123.07. Employers pay 1.4× the employee amount.
Do Quebec workers pay CPP and EI?
No — Quebec uses QPP instead of CPP, a reduced EI rate, plus QPIP. This tool covers CPP and EI outside Quebec.
Does this include income tax?
No — it's the CPP and EI deductions only. Federal and provincial income tax are separate.
Estimates based on published 2026 CRA rates, for employees outside Quebec. Not tax or payroll advice — verify with the CRA or your payroll provider.