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CPP and EI are the two mandatory contributions on every Canadian paycheque, alongside income tax. This calculator shows both together, so you can see your total statutory deduction outside of tax, useful for isolating exactly what these two programs cost you, separate from federal and provincial tax.
CPP & EI Calculator
+ Advanced options (overtime, bonus, TD1, RRSP)
Independent estimate based on 2026 CRA federal/provincial payroll formulas, Revenu Québec figures, and published CPP/CPP2/QPP/QPP2, EI and QPIP rates. Taxable benefits are assumed pensionable (count toward CPP/QPP) but not insurable (excluded from EI/QPIP), treatment varies by benefit type in practice. RRSP/pension contributions reduce taxable income only, not CPP/QPP or EI/QPIP earnings, matching standard payroll treatment. Not affiliated with the CRA or Government of Canada. Actual payroll may differ based on your employer's specific deductions and other factors. This tool does not constitute tax or financial advice.
Independent estimate of statutory employer payroll costs (CPP/QPP, EI, QPIP) based on 2026 published rates. Does not include optional employer costs such as extended health benefits, pension matching beyond CPP/QPP, workers' compensation premiums, or vacation pay accruals, which vary by employer and province. Not affiliated with the CRA or Government of Canada.
Add the “CPP” (plus “CPP2” if it appears) and “EI” lines from the breakdown above for your combined total, everything else shown (federal tax, provincial tax) is calculated separately and isn’t part of this figure.
Combined CPP + EI by Income
| Income | CPP + CPP2 | EI | Combined total |
|---|---|---|---|
| $40,000 | $2,171.75 | $652.00 | $2,823.75 |
| $60,000 | $3,361.75 | $978.00 | $4,339.75 |
| $75,000 | $4,246.45 | $1,123.07 | $5,369.52 |
| $100,000 | $4,646.45 | $1,123.07 | $5,769.52 |
| $150,000 | $4,646.45 | $1,123.07 | $5,769.52 |
Notice the combined total flattens above $100,000, both CPP and EI have hit their annual ceilings by then, so income beyond that point adds nothing further to either. If you want a full breakdown of just the CPP side, including the $3,500 basic exemption that shapes these numbers, see our CPP contribution estimator.
Combined CPP + EI by Province
At $75,000, the combined total is identical across most of Canada, since CPP and EI rates don’t vary by province, Quebec is the one exception, since it uses QPP (a higher base rate) plus a separate QPIP premium instead of EI alone:
| Province | Combined total |
|---|---|
| Ontario | $5,369.52 |
| Alberta | $5,369.52 |
| British Columbia | $5,369.52 |
| Quebec | $5,713.50 |
If you’re in Quebec specifically, the EI portion here is actually lower (QPIP is separate), for the full Quebec-specific detail on why the rate is reduced, see our EI premium calculator.
Full Breakdown: CPP vs. EI Side by Side
These two deductions work differently even though they’re often grouped together on a pay stub:
| CPP | EI | |
|---|---|---|
| Basic exemption | $3,500 | None |
| Rate | 5.95% | 1.63% |
| Annual ceiling | $74,600 (+$85,000 w/ CPP2) | $68,900 |
| What it funds | Retirement pension | Job-loss/leave benefits |
Employee vs. Employer Combined Cost
Your employer separately matches CPP/CPP2 dollar-for-dollar and pays EI at 1.4× your rate. On a $75,000 salary in Ontario, that’s $4,246.45 in matching CPP plus $1,572.30 in EI, a combined $5,818.75 in employer contributions, roughly equal to what you pay yourself. Switch the calculator above to “Employer / Payroll Cost” mode to see this for your own numbers, or read our CPP & EI Guide for how employer matching works and when you can start collecting CPP.
Frequently asked questions
Do CPP and EI stop being deducted once I earn enough?
Yes, CPP stops at $74,600 (base) or $85,000 (including CPP2), and EI stops at $68,900. Once your year-to-date earnings pass these thresholds, deductions stop for the rest of the calendar year.
Are CPP and EI taxes?
No, they are mandatory contributions to specific programs retirement pension and employment insurance that you will draw benefits from later, unlike income tax which funds general government spending.
Does my employer also pay CPP and EI?
Yes, employers match CPP/QPP contributions dollar-for-dollar and pay EI at 1.4x the employee rate. See our Employer mode above for the full employer-side breakdown.
What is the maximum combined CPP + EI I will pay in 2026?
Up to $4,646.45 in CPP (including CPP2) plus up to $1,123.07 in EI, a combined maximum of $5,769.52 for employees outside Quebec.
Is CPP the same as QPP?
No, Quebec residents contribute to the QPP (Quebec Pension Plan) instead of CPP, at a slightly higher base rate (6.30% vs. 5.95%), and pay EI plus a separate QPIP premium instead of EI alone.
Can I opt out of CPP or EI contributions?
Generally no for standard employment, these are mandatory statutory deductions, with limited exceptions.
For the complete deduction picture including federal and provincial tax, use the main your payroll deductions estimate.