CPP & EI Calculator Canada 2026
Estimate Canada Pension Plan (CPP) and Employment Insurance (EI) deductions from your annual employment income.
Total CPP + EI (annual)
$4,340
CPP: $3,362 · EI: $978
CPP (max $4,230)
$3,362
EI (max $1,123)
$978
CPP: 5.949999999999999% on pensionable earnings (after $3,500 exemption, up to YMPE $74,600). EI: 1.63% on insurable earnings up to $68,900.
Full take-home by province (tax + CPP + EI)
CPP and EI are federal; provincial tax varies. For full take-home by province—federal tax, provincial tax, CPP, and EI—use our Canada Tax Calculator:
What is CPP (Canada Pension Plan)?
CPP (Canada Pension Plan) is a federal pension program funded by employee and employer contributions. As an employee, you pay CPP contributions on your employment income above a basic exemption (e.g. $3,500 per year), up to the Year’s Maximum Pensionable Earnings (YMPE)—a cap set annually by the government (e.g. $74,600 for 2026). The CPP rate is 5.95% on that pensionable amount. Once your year-to-date earnings (minus the exemption) reach the maximum pensionable amount, you stop paying CPP for the rest of the year. Use the calculator above to see your annual CPP and the maximum contribution for the tax year. For full take-home including income tax and provincial tax, use our Canada Tax Calculator.
What is EI (Employment Insurance)?
EI (Employment Insurance) provides temporary income support if you lose your job, and also covers maternity, parental, and sickness benefits. You pay EI premiums on your insurable earnings up to a maximum insurable amount set each year (e.g. $68,900 for 2026). The EI rate is 1.63% (2026) or 1.64% (2025). Unlike CPP, there is no basic exemption for EI—you pay from the first dollar of insurable earnings, but only up to the annual cap. Our CPP and EI calculator Canada shows both deductions so you can see total payroll deductions before income tax. For how RRSP contributions affect your tax, use our RRSP Calculator Canada.
How to calculate CPP and EI from your salary
To estimate CPP: take your annual employment income, subtract the basic exemption ($3,500), and apply 5.95% to the result—but cap that amount at the maximum CPP contribution for the year (based on YMPE minus exemption). To estimate EI: take the lesser of your annual income or the maximum insurable amount, and multiply by the EI rate (e.g. 1.63% for 2026). The calculator above does this for you: enter your annual salary and tax year to get CPP, EI, and the annual maximums. Self-employed people pay both the employee and employer portion of CPP (no EI on self-employment income in most cases). For net pay after all deductions, use our Net to Gross Calculator Canada to work backward from desired take-home, or our Canada Tax Calculator for gross to net.
When to use a CPP and EI calculator
Use a CPP EI calculator when you want to know how much will be deducted from your pay for Canada Pension Plan and Employment Insurance—for budgeting, comparing job offers, or checking your pay stub. It’s especially useful at the start of the year when YMPE and EI maximums are new, or when you have multiple jobs (each employer withholds CPP/EI; you may get a refund when you file if you overpaid). For TFSA contribution room, use our TFSA Calculator Canada. For retirement tax savings, use our RRSP Calculator Canada.