CPP & EI Calculator (2026)
Direct answer: In 2026, employees outside Quebec pay 5.95% CPP on earnings between $3,500 and $74,600, an extra 4% CPP2 from $74,600 to $85,000, and 1.63% EI up to $68,900. The annual maximums are $4,230.45 + $416 (CPP) and $1,123.07 (EI). On an $85,000 salary you contribute about $4,646 to CPP and $1,123 to EI — both maxed out. Enter your salary below.
What is the maximum CPP contribution for 2026?
The maximum employee CPP contribution in 2026 is $4,230.45 on the base (5.95% between $3,500 and $74,600), plus up to $416.00 in CPP2 (4% from $74,600 to $85,000).
What is the maximum EI premium for 2026?
Outside Quebec, the maximum employee EI premium in 2026 is $1,123.07 — a rate of 1.63% on insurable earnings up to $68,900.
How much CPP and EI on an $85,000 salary?
On $85,000 in Ontario you pay about $4,230 in CPP plus CPP2, and $1,123 in EI — both at the 2026 annual maximum.
When do CPP and EI stop coming off my pay?
Once year-to-date earnings hit the ceilings — $85,000 for CPP and CPP2, $68,900 for EI — deductions stop for the rest of the year, so your later paycheques are larger.
| Item | Annual | Monthly | Bi-weekly |
|---|---|---|---|
| Gross Income | $85,000 | $7,083 | $3,269 |
| Federal Income Tax | -$11,318 | -$943 | -$435 |
| Ontario Provincial Tax | -$4,912 | -$409 | -$189 |
| CPP | -$4,230 | -$353 | -$163 |
| CPP2 | -$416 | -$35 | -$16 |
| Employment Insurance | -$1,123 | -$94 | -$43 |
| Ontario Health Premium | -$750 | -$63 | -$29 |
| Take-Home Pay | $62,251 | $5,188 | $2,394 |
- Federal tax$11,31813%
- Provincial tax$4,9126%
- Contributions (CPP/EI)$6,5208%
- Take-home$62,25173%
- Gross$85,000
$85,000
- British Columbia$63,165+$915
- Alberta$62,458+$208
- Ontariothis state$62,251
- Ontariothis state$62,251
- Nova Scotia$57,768−$4,483
How are CPP and EI calculated in 2026?
CPP is 5.95% of pensionable earnings between the $3,500 basic exemption and the $74,600 ceiling (the YMPE). A second tier, CPP2, adds 4% on earnings from $74,600 to $85,000. EI is a flat 1.63% on insurable earnings up to $68,900, with no exemption. The calculator above applies all three to your salary and shows the take-home that remains.
What are the 2026 CPP and EI maximums?
To reach the maximum CPP and EI for the year, follow the ceilings:
- CPP base: 5.95% × ($74,600 − $3,500) = $4,230.45.
- CPP2: 4% × ($85,000 − $74,600) = $416.00.
- EI: 1.63% × $68,900 = $1,123.07.
- Total employee payroll contributions at the max: $5,769.52.
When do you max out CPP and EI?
Deductions are taken on every paycheque until your year-to-date earnings reach the ceilings. A worker earning $85,000 or more maxes CPP and CPP2 by the time pensionable earnings hit $85,000, and maxes EI once insurable earnings reach $68,900. After that, those lines disappear from your pay, which is why paycheques late in the year are often noticeably larger.
How much does your employer pay in CPP and EI?
Your employer matches your CPP dollar for dollar (another $4,230.45 + $416 at the max) and pays EI at 1.4 times your rate (up to $1,572.30). That is real compensation funding your future pension and benefits, even though it never appears on your paycheque. The self-employed pay both halves of CPP themselves, but EI is optional for them.
How do CPP and EI differ in Quebec?
Quebec workers do not pay CPP or standard EI. Instead they pay QPP (6.30%, a higher rate than CPP), a reduced EI rate of 1.30%, and QPIP (0.430%) for parental insurance. Choose any province in the calculator and it switches automatically between the CPP/EI and QPP/QPIP systems.