CPP & EI Calculator (2026)
See exactly how much CPP and EI your employer deducts — or how much you'll pay as a self-employed Canadian, where CPP is doubled but EI is optional.
How to use this calculator
- Enter annual employment income.
- Enter employment type.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
For 2026, CPP base contributions are 5.95% of pensionable earnings between the $3,500 basic exemption and the $74,600 Year's Maximum Pensionable Earnings, plus a second CPP2 contribution of 4% on earnings between $74,600 and $85,000. The maximum employee CPP is $4,230.45 + $416.00 = $4,646.45. Employees also pay EI at 1.63% on insurable earnings up to $68,900 — a maximum of $1,123.07. Self-employed Canadians pay both the employee and employer halves of CPP (11.9% + 8%, max $9,292.90) but the employer half is tax-deductible; EI is voluntary for the self-employed. Worked example: an employee earning $80,000 pays $4,446.45 in CPP and $1,123.07 in EI — $5,569.52 a year. At $85,000+ the CPP maximum of $4,646.45 applies.
Frequently asked questions
What is the CPP contribution rate for 2026?
5.95% on earnings between $3,500 and $74,600, plus 4% on earnings between $74,600 and $85,000 (the second ceiling). The maximum employee contribution is $4,646.45; self-employed Canadians pay double, up to $9,292.90.
What is the EI rate and maximum for 2026?
The employee EI premium rate is 1.63% on insurable earnings up to $68,900, for a maximum yearly premium of $1,123.07. Employers pay 1.4 times the employee premium. Quebec has a lower EI rate (1.30%) because it runs its own parental plan.
Do I still pay CPP after I turn 65?
Yes, if you keep working — you keep contributing to CPP until age 70. Your contributions after 65 increase your pension through the post-retirement benefit, and you can stop contributing only by completing a CPT30 election, which also ends your survivor benefits.
How much CPP will I get at retirement?
In 2026 the maximum CPP retirement pension at age 65 is about $1,650 a month if you've contributed at the maximum for most of your career. The average new beneficiary receives roughly $900 a month. Your actual amount depends on how many years and how much you contributed.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect the current tax year and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: canada.ca tax rates · CPP rates · CMHC mortgage insurance.