01Live rates · Canada CPP calculator

The Canada CPP calculator. Live rates, instant math.

The Canada CPP calculator runs Canada Pension Plan (CPP), CPP2, and Employment Insurance (EI) deductions on any gross pay. Live rates from the Canada Revenue Agency (CRA) and Service Canada, with the current Year's Maximum Pensionable Earnings (YMPE) and Additional Maximum Pensionable Earnings (AMPE) thresholds applied automatically. Enter gross pay and frequency to see employer and employee CPP and EI math in seconds, the same numbers Workzoom posts to every Canadian pay run.

CPP, CPP2, EI · 2026 YMPE/YAMPE current flagCPP, CPP2, EI · 2026 YMPE/YAMPE current

The Canada CPP calculator. Live rates, instant math.

Payroll Calculator
Inputs

Enter gross pay

Enter the employee's gross pay for one pay period.

Other frequencies are converted automatically.

Contributions

Per pay period

CPP employee contribution $ 0.00
CPP2 employee contribution $ 0.00
CPP employer contribution $ 0.00
CPP2 employer contribution $ 0.00
EI employee premium $ 0.00
EI employer premium $ 0.00
Total employee deductions $ 0.00
Net pay (gross less statutory) $ 0.00

AThe short answer

The Canada CPP calculator runs Canada Pension Plan (CPP), CPP2, and Employment Insurance (EI) deductions on any gross pay. Live rates from the Canada Revenue Agency (CRA) and Service Canada, with the current Year's Maximum Pensionable Earnings (YMPE) and Additional Maximum Pensionable Earnings (AMPE) thresholds applied automatically. Enter gross pay and frequency to see employer and employee CPP and EI math in seconds, the same numbers Workzoom posts to every Canadian pay run.

Live rates · Maintained by the Workzoom payroll team

Canada CPP calculator: Canada statutory rates for 2026.

2026 CRA rates. CPP applies on earnings between the $3,500 basic exemption and $74,600 YMPE. CPP2 applies between YMPE and $85,000 YAMPE. EI applies on insurable earnings up to $68,900.

5.95%
CPP employee rate
On pensionable earnings between $3,500 basic exemption and $74,600 YMPE. Employer matches the same rate.
4.00%
CPP2 employee rate
Second-tier CPP on earnings between $74,600 and $85,000. Phased in since 2024. Employer matches.
1.63%
EI employee rate
On insurable earnings up to $68,900 MIE. Quebec employees pay 1.30% (QPIP covers the rest).
1.4×
Employer EI multiplier
Employers pay 1.4 times the employee EI rate, which works out to 2.282% on the same insurable base.

Filing calendar · Marked against the actual deadlines

When CPP-EI is due.

T4
Statement of Remuneration Paid
Due by the last day of February

The T4 is the CRA annual employer return reporting employment income, CPP, CPP2, EI, federal and provincial income tax withheld, and other amounts per employee. Workzoom generates the T4 directly from payroll, with every line reconciling back to the pay register and the year's PD7A remittances.

ROE
Record of Employment
Due within 5 calendar days of the last pay period worked

The ROE is filed with Service Canada on termination, leave, or any interruption of earnings. It carries insurable earnings, insurable hours, and reason codes that drive EI eligibility. Workzoom generates the ROE electronically from the same payroll engine that calculated EI all year, ready to submit through ROE Web, so the numbers match Service Canada's records.

Workzoom Payroll · Canada

Stop calculating CPP and EI by hand.

Workzoom runs every Canadian statutory deduction automatically. CPP at 5.95% on pensionable earnings between the $3,500 basic exemption and the $74,600 YMPE, CPP2 at 4% between YMPE and the $85,000 YAMPE, EI at 1.63% on insurable earnings to the $68,900 MIE with the employer 1.4× multiplier. The T4 and ROE come out of the same engine, ready to submit, so year-end slips and termination filings match the payroll register by construction. Hosted in Canada, Canadian-owned, with over 25 years of Canadian payroll experience.

  • Current 2026 CRA rates applied automatically every pay run
  • $3,500 CPP basic exemption prorated across pay periods per employee
  • CPP2 starts above YMPE and stops above YAMPE, all automatic
  • T4 slips generated directly from payroll at year-end
  • ROE generated electronically for Service Canada within 5 days of termination, ready to submit
See Workzoom Payroll Book a Walkthrough
Canada payroll automation in Workzoom, canada cpp calculator in Workzoom

What employers actually ask about Canada CPP-EI.

The most common questions Canada employers ask about CPP-EI, filing, and payroll integration.

The Canada CPP calculator runs Canada Pension Plan (CPP), CPP2, and Employment Insurance (EI) deductions on any gross pay. Live rates from the Canada Revenue Agency (CRA) and Service Canada, with the current Year's Maximum Pensionable Earnings (YMPE) and Additional Maximum Pensionable Earnings (AMPE) thresholds applied automatically. Enter gross pay and frequency to see employer and employee CPP and EI math in seconds, the same numbers Workzoom posts to every Canadian pay run.

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 original 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 basic exemption is applied annually, not per pay period. For each employee, you exempt the first $3,500 of pensionable earnings in the year from CPP contributions. In practice, payroll systems prorate this exemption across pay periods. Workzoom's payroll engine handles this automatically across every 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.

More for Canada

Keep building your Canada payroll.

Canadian Payroll Deductions Guide 2026
Full guide to CPP, CPP2, EI, federal and provincial tax. Rates, ceilings, remittance schedules, and provincial nuances.
Payroll Remittance to CRA 2026
Step-by-step guide to CRA remittance schedules, thresholds, late penalties, and how to avoid them.

Run Canadian payroll without spreadsheets.

Workzoom Payroll handles CPP, CPP2, EI, and provincial deductions automatically across every pay cycle. Year-end T4 and ROE filings included. $4 per employee per month per suite.

Book a Walkthrough Canada overview
  • Since 2000. Workzoom has run Canadian payroll for 25+ years.
  • Canadian data residency, AWS Canada. Customer data stays in Canada.
  • SOC 2-aligned controls. Encrypted at rest, role-based access, audit logs.
Live walkthrough

See Workzoom in 30 minutes.

Real product, real questions, no slides. Starts at $4 per employee per month, CAD or USD, with $0 setup fees.

No commitment 30 minutes View Pricing
Book a Walkthrough