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CPP, CPP2, EI · 2026 YMPE/YAMPE current
Canada CPP & EI contribution calculator.
See what comes out of your pay and what your employer contributes.
Example estimate · Change the pay details to make it yours.
Annualized estimate using annual tax rates. Actual cheque withholding and other deductions can differ.
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How this estimate works Calculation, coverage & sources
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Enter pay to see the contribution calculation.
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Regular gross pay is annualized. Annual contributions and approximate annual tax are divided across equal periods. This does not reproduce CPP2 starting only after actual YTD earnings cross YMPE, deductions stopping at actual annual maxima, or July-December catch-up withholding.
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Regular employment outside Quebec with standard CPP and EI coverage. CPP age elections, EI premium reductions and other exceptions are excluded.
Tax uses published annual brackets, base CPP/EI credits, additional CPP deductions, income-dependent basic amounts, BC tax reduction, and Ontario surtax, basic reduction and health premium. Other income, other personal or provincial relief, registered pension deductions, irregular pay and YTD adjustments are excluded. Employer costs exclude other payroll taxes, workers’ compensation and benefits.
Estimate CPP, CPP2 and EI for employment outside Quebec.
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Enter regular gross pay and frequency to see annualized employee and employer contributions, plus an approximate income-tax estimate. The result spreads annual amounts across equal periods. It does not calculate an actual cheque from year-to-date payroll records.
Canada CPP & EI contribution calculator: the statutory rates for 2026.
2026 CPP, CPP2 and EI contribution rates from CRA. Contribution-rate references do not certify the income-tax estimate. See the method and sources.
The rates above aren't a one-off. They run every cycle.
Workzoom has run Canadian payroll since 2000. The 2026 CRA rates in this calculator are the rates Workzoom applies automatically on every pay run, with T4 and ROE generated from the same engine, ready to submit.
See Workzoom PayrollWhat employers actually ask about Canada CPP-EI.
The most common questions Canada employers ask about CPP-EI, filing, and payroll integration.
The 2026 employee CPP rate is 5.95% on pensionable earnings between the $3,500 basic exemption and the $74,600 Year's Maximum Pensionable Earnings (YMPE). Employers match this rate dollar-for-dollar. On earnings between $74,600 and the $85,000 Year's Additional Maximum Pensionable Earnings (YAMPE), CPP2 applies at 4% for both employee and employer.
The 2026 employee EI premium rate is 1.63% on insurable earnings up to the $68,900 Maximum Insurable Earnings (MIE). Employers pay 1.4 times the employee rate, which works out to 2.282%. Quebec employees pay a reduced EI rate of 1.30% because Quebec's QPIP program covers parental insurance separately.
CPP2 is the second-tier CPP contribution that applies on earnings between the YMPE ($74,600) and YAMPE ($85,000) for 2026. The rate is 4% for both employee and employer. CPP2 was phased in starting January 2024 as part of the CPP enhancement. On earnings up to YMPE, only the combined 5.95% CPP rate applies; CPP2 starts above YMPE.
Yes, but at a reduced rate. Quebec employees pay 1.30% EI in 2026 instead of the 1.63% rate that applies in the rest of Canada. The reduction reflects Quebec's separate QPIP (Quebec Parental Insurance Plan) program, which provides maternity, paternity, and parental benefits funded by a separate employee premium of 0.430%.
The $3,500 annual basic exemption is allocated across pay periods. Use the prescribed pay-period share for regular pay rather than exempting the first $3,500 paid or subtracting $3,500 on every cheque. This public annualized tool divides an annual contribution estimate by pay frequency.
CPP (Canada Pension Plan) funds retirement, disability, and survivor benefits. EI (Employment Insurance) funds unemployment benefits, sickness benefits, maternity/parental leave, and compassionate care leave. Both are mandatory federal deductions. CPP is contributed by both employee and employer at matching rates. EI is contributed by employees at 1.63% and employers at 1.4× that rate.
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