After Tax Canada / CPP and EI contributions calculatorVersion française
CPP and EI contributions calculator (2026)
See exactly what CPP and EI take off your pay. Enter your salary and see the employee contributions, the employer match, and the 2026 maximums, computed with the verified 2026 payroll tables.
Rest of Canada · 2026
$5,370in CPP and EI contributions a year
$207 per paycheque (biweekly)
Your contributions, broken down
| CPP base portion | $3,519 |
| CPP additional portion (1%) | $711 |
| CPP second tier (CPP2/QPP2) | $16 |
| CPP Total | $4,246 |
| EI premium | $1,124 |
| Total employee contributions | $5,370 |
| Per paycheque (biweekly) | $207 |
| Per month | $447 |
CPP has three parts: the base portion, the additional 1%, and CPP2 on earnings between $74,600 and $85,000. EI is capped at $68,900 of insurable earnings, so once your salary passes that mark the EI premium stops growing.
What your employer pays on top
| CPP employer match | $4,246 |
| employer EI (1.4x) | $1,573 |
| Total employer contributions | $5,819 |
| Total payroll cost | $80,819 |
Employers match CPP/QPP dollar-for-dollar and pay 1.4 times your EI premium. The QPIP employer share is separate and not shown here.
Why later paycheques can look bigger
The EI cap is already reached at this salary: EI stopped growing at $68,900 of insurable earnings, so no further EI comes off your pay this year. CPP still comes off every paycheque until pensionable earnings pass $85,000.
Make your take-home work harder
Your paycheque is only half the story. These are the account types Canadians use to put after-tax money to work. What follows is factual information, not financial advice.
High-interest savings account
A savings account that pays a higher rate than a chequing account. Money stays liquid and earns interest while you keep it.
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Investment account
An account for buying investments such as ETFs and stocks. It can be registered (TFSA, RRSP, FHSA) or non-registered.
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Bank account
A chequing account for daily spending and bill payments, often bundled with savings and credit products.
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Disclosure: if partner offers are listed here in the future, they will be clearly labelled, and we may earn a commission. Account descriptions are factual information, not financial advice.
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Worked examples: CPP and EI by salary, 2026
| Salary · plan | CPP/QPP | EI | QPIP | Total employee |
|---|---|---|---|---|
| $60,000 · Rest of Canada (CPP) | $3,362 | $978 | $0 | $4,340 |
| $75,000 · Rest of Canada (CPP) | $4,246 | $1,124 | $0 | $5,370 |
| $100,000 · Rest of Canada (CPP) | $4,646 | $1,124 | $0 | $5,770 |
| $75,000 · Quebec (QPP) | $4,495 | $896 | $323 | $5,714 |
Annual figures · 2026 payroll tables · verified 2026-09-20 · how we calculate
Quebec totals include QPIP (for example, $323 on a $75,000 salary); the calculator breakdown above shows QPIP separately.
FAQ
How much CPP and EI do I pay on a $75,000 salary in Canada?
In 2026 you pay about $5,370 a year on a $75,000 salary outside Quebec: $4,246 in CPP and $1,124 in EI, or about $207 per biweekly paycheque. The EI premium is already at its maximum at this salary, since EI stops growing at $68,900 of insurable earnings.
What is the maximum CPP contribution in 2026?
The maximum employee CPP contribution in 2026 is $4,646: a base portion of $3,519, an additional portion of $711, and CPP2 of $416 on earnings between $74,600 and $85,000. You reach the maximum once your pensionable earnings pass $85,000.
What is the maximum EI premium in 2026?
The maximum employee EI premium in 2026 is $1,123, reached at $68,900 of insurable earnings. In Quebec the maximum is lower, $896, because the Quebec EI rate is 1.30% instead of 1.63%.
Do CPP and EI stop coming off my pay once I hit the maximum?
Yes. CPP stops growing once pensionable earnings pass $85,000 and EI stops at $68,900, so after both caps are reached no further CPP or EI comes off your pay for the rest of the year. That is why the take-home portion of later paycheques in the year can be higher than early ones.
What is CPP2, the second CPP tier?
CPP2 is an extra 4% contribution on earnings between $74,600 and $85,000, on top of the regular CPP rate. It maxes out at $416 a year and, like the additional 1% portion, it is a deduction from taxable income rather than a tax credit.
How much CPP and EI does my employer pay for me?
Employers match CPP dollar-for-dollar and pay 1.4 times your EI premium. On a $75,000 salary outside Quebec that is $4,246 in CPP plus $1,573 in EI, for a total payroll cost of $80,819. The QPIP employer share in Quebec is separate and not shown here.
How do QPP and QPIP change the numbers in Quebec?
Quebec uses QPP instead of CPP, with a higher base rate, plus QPIP on top. On a $75,000 salary in Quebec you pay about $5,714: $4,495 in QPP, $896 in EI at the lower Quebec rate, and $323 in QPIP. The maximum employee QPP contribution in 2026 is $4,895.
How much CPP and EI do I pay on a $100,000 salary?
On a $100,000 salary outside Quebec both caps are reached, so you pay the maximum: $4,646 in CPP plus $1,124 in EI, for $5,770 a year. Earning more than $100,000 does not raise your CPP or EI contributions any further.