How to use the CPP and EI calculator
- 1 Enter your yearly earnings.
- 2 Choose employee or self-employed.
- 3 Choose Quebec or outside Quebec.
- 4 Read your contributions and the amount per biweekly pay.
Worked example
An employee outside Quebec earning $80,000. First-tier CPP reaches the maximum of $4,230.45, CPP2 is 4% of the $5,400 above $74,600 ($216) and EI reaches its maximum of $1,123.07. The total is $5,569.52 for the year, about $214 per biweekly pay.
When CPP and EI stop
- CPP is paid from 18 to 70. From 65, if you already receive your CPP pension, you can elect to stop contributing.
- Overpaid? With two employers, each deducts CPP and EI separately; extra contributions are refunded when you file your return.
- Self-employed: you pay both halves of CPP, half of which is deductible, but EI is optional through a special benefits program.
- Quebec uses QPP and the Quebec Parental Insurance Plan, with lower EI premiums.
See all deductions together with the Take-Home Pay Calculator. Lost your job? Estimate benefits with the EI Benefits Calculator.
Features
CPP and CPP2
5.95% from $3,500 to $74,600 and 4% from $74,600 to $85,000.
EI and QPIP
1.63% EI to $68,900, or 1.30% EI plus 0.43% QPIP in Quebec.
Self-employed
Both halves of CPP for self-employed people.
When to use it
Payroll checks
Check deductions on your pay stub. See all deductions with the Take-Home Pay Calculator.
Freelancers
Budget for CPP on your tax return. Lost your job? Use the EI Benefits Calculator.
Employers
Estimate the employer share of payroll costs. See CPP credits with the Income Tax Calculator.
High earners
See when contributions stop for the year. Planning retirement? See the OAS Clawback Calculator.
Related Pay and Salary tasks
Frequently asked questions
What are the 2026 CPP maximums?
The maximum employee contribution is $4,230.45 on the first tier and $416 on CPP2, a total of $4,646.45. Employers pay the same.
What is CPP2?
A second tier of contributions at 4% on earnings between the first ceiling of $74,600 and the second ceiling of $85,000. It increases your future pension.
What is the 2026 EI maximum?
$1,123.07 for employees, on insurable earnings up to $68,900. Employers pay 1.4 times the employee premium.
Do self-employed people pay EI?
No, unless they opt in to special benefits. They pay both halves of CPP, up to $9,292.90 in 2026.
Are CPP contributions tax-deductible?
The base part earns a non-refundable tax credit. The enhanced part, 1% of first-tier earnings and all CPP2, is deducted from income.
What about Quebec?
Quebec workers pay QPP at 6.3% on the first tier, a lower EI rate of 1.30% and QPIP at 0.43% up to $103,000.
Can I get an overpayment back?
Yes. If you had two jobs and paid more than the maximum, the excess is refunded when you file your return.
When do CPP deductions stop?
Once your year-to-date contributions reach the maximum, your employer stops deducting CPP for the rest of the calendar year. Deductions start again on 1 January.
Do I pay CPP after 65?
If you work while receiving CPP between 65 and 70, you can choose to stop contributing. After 70 contributions stop.
Does CPP2 increase my pension?
Yes. CPP2 contributions raise the enhanced part of your future CPP retirement pension.
Is EI deducted from self-employment income?
No. Self-employed people do not pay EI premiums unless they register for EI special benefits, such as maternity, parental and sickness benefits, which then require premiums.
How do I see my CPP contributions?
Your T4 slip shows CPP and EI paid each year, and your My Service Canada Account shows your full contribution history and an estimate of your future pension.
Does a second job mean paying CPP twice?
Each employer deducts CPP separately, so you can overpay. The extra is refunded when you file your tax return.
Results are estimates based on the official rates linked above. Confirm important figures with the issuing authority or a qualified adviser before you act on them.
Built and reviewed by Hamza Farooq, founder and lead developer
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