CPP & EI Calculator Canada 2026
See exactly how much CPP and EI you owe as an employer and what your employees pay per pay period. Includes CPP2 second ceiling calculations.
Enter salary details to see CPP & EI breakdown.
Disclaimer: This calculator provides estimates using 2026 CRA rates. Actual amounts may vary based on YTD earnings, TD1 claims, and other factors. Consult a payroll professional for official calculations.
Understanding CPP and EI in Canada (2026)
What is CPP?
The Canada Pension Plan (CPP) is a mandatory retirement savings program. Both employees and employers contribute equally. In 2026, the employee contribution rate is 5.95% on pensionable earnings between $3,500 (basic exemption) and the first earnings ceiling.
What is CPP2?
CPP2 (second additional CPP) applies to earnings between the first and second earnings ceilings at a rate of 4%. This was introduced in 2024 and applies to higher earners. Both employee and employer share the cost equally.
What is EI?
Employment Insurance (EI) provides temporary income to workers who lose their jobs. The employee premium rate for 2026 is 1.64% of insurable earnings. Employers pay 1.4 times the employee premium — so for every $1 an employee pays in EI, the employer pays $1.40.
Why Employers Need This Calculator
As an employer, you need to know the true cost of each employee beyond their salary. CPP and EI employer contributions add roughly 7-8% on top of gross wages. For a team of 10 employees earning $50,000 each, that's an additional $35,000-$40,000 per year in employer contributions alone.
Quebec Exception (QPIP)
Quebec has its own parental insurance plan (QPIP) instead of the EI parental/maternity benefit. Quebec employees pay a lower EI rate but also pay QPIP premiums. This calculator handles Quebec-specific rates automatically when you select QC as the province.
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