How to use this calculator
- Enter your yearly salary or wages for 2026, before any deductions.
- Choose how often you're paid to see roughly what comes off each paycheque.
- Read your CPP, CPP2 and EI, and what your employer pays for you on top.
How it's calculated (2026)
Worked example
Ravi earns $60,000 in 2026 in Ontario and is paid every two weeks.
About $166.91 comes off each of Ravi's paycheques for CPP and EI. At $100,000 or more, you'd reach every 2026 maximum: $4,230.45 CPP, $416.00 CPP2 and $1,123.07 EI.
What this calculator doesn't cover
- Quebec, where employees pay into the Quebec Pension Plan (QPP) and Quebec's own parental insurance, with a different EI rate.
- Self-employed people, who pay both halves of CPP and usually no EI. Use our self-employed tax calculator.
- Income tax deductions, and how the basic exemption is spread across pay periods by payroll, which can move a few cents between paycheques.
- Having more than one job in a year: each employer deducts separately, and any overpayment is refunded when you file your return.
Frequently asked questions
What is CPP2?
CPP2 is the second additional Canada Pension Plan contribution. It applies only to earnings between the yearly maximum pensionable earnings ($74,600 in 2026) and the higher second ceiling ($85,000 in 2026).
Why did my CPP or EI deductions stop late in the year?
You reached the yearly maximum. Deductions start again in January. Higher earners reach the EI maximum first, because EI stops at $68,900 of insurable earnings.
Do I get CPP and EI back on my tax return?
Not usually, but they lower your income tax: part of your CPP gives you a tax credit and the rest is a deduction, and EI premiums give you a tax credit. If you paid too much, for example from two jobs, the CRA refunds the extra.
Sources (2026): CRA: CPP contribution rates, maximums and exemptions, CRA: CPP2 rates and maximums, CRA: EI premium rates and maximums. Figures checked 28 September 2026.