Canada CPP and EI Calculator
Calculate your Canada Pension Plan (CPP) and Employment Insurance (EI) contributions for 2025. See CPP1, CPP2, and EI breakdowns with employee and employer costs. Includes the new CPP2 enhancement.
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Calculate CPP and EI contributions for 2025. CPP1 applies at 5.95% on earnings $3,500-$71,300 (max $4,034). CPP2 adds 4% on $71,300-$81,200 (max $396). EI is 1.64% up to $65,700 (max $1,077). Employers match CPP and pay 1.4x EI.
Disclaimer: This calculator uses publicly available rules effective as of Jan 1, 2025 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: Mar 1, 2026.
Formula
CPP applies at 5.95% on earnings between $3,500 and $71,300. CPP2 adds 4% on earnings from $71,300 to $81,200. EI is 1.64% on earnings up to $65,700.
Canada FAQs
What is CPP and how much do I contribute?
Canada Pension Plan is a mandatory retirement benefit. Employees contribute 5.95% on pensionable earnings between $3,500 and $71,300 (2025). Maximum annual contribution is $4,034.
What is CPP2?
CPP2 (second additional CPP) applies at 4% on earnings between $71,300 and $81,200. Introduced in 2024, the maximum CPP2 contribution is $396 per year.
What is EI and when does it max out?
Employment Insurance premiums are 1.64% of insurable earnings up to $65,700 (2025). Maximum annual EI premium is $1,077. EI covers job loss, maternity, parental, and sickness benefits.
How much CPP does the employer pay?
Employers match the employee CPP contribution dollar for dollar. For EI, employers pay 1.4 times the employee premium.
What is the maximum CPP contribution for 2025?
Maximum employee CPP1 contribution is $4,034. CPP2 adds up to $396 for earnings above $71,300. Combined maximum is $4,430. EI maximum is $1,077.
Do self-employed pay both employee and employer CPP?
Yes. Self-employed Canadians pay both the employee and employer share of CPP, totalling 11.9% on earnings between $3,500 and $71,300. However, half is deductible as a business expense on your tax return.
When do CPP and EI stop being deducted?
CPP stops when you reach the annual maximum pensionable earnings ($71,300 for CPP1, $81,200 for CPP2). EI stops at $65,700. If you earn $90,000, CPP and EI are fully deducted by September or October, then your net pay increases for the rest of the year.
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