CPP, CPP2 and EI taken from each 2026 pay in Canada, with the employer share and maximums
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 16 Oct 2026.In 2026 a Canadian payroll takes 5.95% CPP on each pay after its share of the $3,500 exemption, 4% CPP2 on yearly earnings between $74,600 and $85,000, and 1.63% EI up to $68,900. On $2,500 every two weeks that is $140.74 of CPP and $40.75 of EI each pay.
2026 · Rates and rules read from the sources listed on this page (the earliest on 16 Oct 2026); they may have changed since.
Type the pay before deductions and choose how often it is paid: weekly, every two weeks, twice a month or monthly.
Read the CPP, CPP2 and EI taken from a normal pay and the pay left after them.
Check the year totals and the pay in which each 2026 maximum is reached.
Open the schedule to see every pay of the year, with the employer share beside it.
This calculator works out the Canada Pension Plan contributions and Employment Insurance premiums taken from each pay in 2026, outside Quebec, and what the employer adds. It follows the Canada Revenue Agency's payroll pages for CPP, CPP2 and EI.
CPP. The rate is 5.95% of pensionable pay. Each pay first subtracts its share of the $3,500 yearly basic exemption: $291.66 a month, $145.83 twice a month, $134.61 every two weeks or $67.30 a week. Deductions stop when the year's total reaches $4,230.45, which is 5.95% of the $71,100 between the exemption and the $74,600 ceiling.
CPP2. Since 2024 a second contribution of 4% applies to earnings between $74,600 and $85,000, so at most $416 in 2026. A payroll starts it in the pay in which earnings for the year pass $74,600; the schedule shows that pay.
EI. Premiums are 1.63% of insurable earnings from the first dollar up to $68,900, so at most $1,123.07.
The employer's share. The employer matches CPP and CPP2 and pays 1.4 times the EI premium, up to $1,572.30 per employee.
How the schedule works. The calculator runs through every pay of the year with the same pay each time, rounding each deduction to the cent and taking only what is left of a maximum in the pay that reaches it. This is the method of the CRA's manual calculation; its printed tables use pay ranges and can differ by a few cents.
Not included. Quebec's QPP and lower EI rate, pay that changes during the year, bonuses and taxable benefits, employees who stopped contributing after 65, and self-employed contributions. Each new employer deducts again from zero; any overpayment comes back with the tax return. Income tax is in the Canada income tax calculator. An estimate, not tax advice.
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Employers take 5.95% of each pay after subtracting that pay period's share of the $3,500 basic exemption. On $2,500 every two weeks the exemption is $134.61, so CPP is $140.74 a pay. Deductions stop once the 2026 maximum of $4,230.45 is reached.
CPP2 is a second contribution of 4% on earnings between $74,600 and $85,000 in 2026, at most $416 a year. A payroll starts taking it only in the pay in which your earnings for the year pass $74,600, so most employees with high salaries see it late in the year.
Employment Insurance premiums are 1.63% of insurable earnings from the first dollar, outside Quebec, up to $68,900 of earnings. The most an employee pays in 2026 is $1,123.07. A $2,500 pay loses $40.75 of EI, and the premium stops once the yearly maximum is reached.
An employer matches the employee's CPP and CPP2 dollar for dollar and pays 1.4 times the employee's EI premium. For 2026 the employer's maximums are $4,230.45 of CPP, $416 of CPP2 and $1,572.30 of EI for each employee, on top of the pay itself.
Deductions stop once the yearly maximum is reached in the job with that employer: $4,230.45 of CPP and $1,123.07 of EI in 2026. On $8,000 a month, EI stops in the ninth pay and regular CPP in the tenth, so the last pays of the year are larger.
Yes. Each employer deducts CPP and EI up to the maximums without counting what a previous employer took. If you overpay across two jobs, the excess is refunded when you file your income tax return, which works out the contributions on your total earnings for the year.
Rates and rules change; check the source before you rely on a figure.
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