Quick Answer
In 2025, most workers pay 5.95% CPP on earnings between $3,500 and $71,300, plus 4% CPP2 above that. On a $60,000 salary that is about $3,362 for the year; on $80,000 about $4,293; and CPP maxes out at roughly $4,341 once you earn around $90,000. Quebec uses QPP instead, which is slightly higher.
How much CPP you pay, by salary
CPP (the Canada Pension Plan) takes 5.95% of your earnings between the $3,500 basic exemption and the first ceiling ($71,300 in 2025). Earn above that and you also pay CPP2 — an extra 4% up to a second ceiling. Here is what that works out to at each income level for 2025/2026:
| Annual salary | Your CPP contribution (incl. CPP2) | Per bi-weekly cheque |
|---|---|---|
| $40,000 | $2,172 | $84 |
| $50,000 | $2,767 | $106 |
| $60,000 | $3,362 | $129 |
| $70,000 | $3,957 | $152 |
| $80,000 | $4,293 | $165 |
| $90,000+ | $4,341 (maximum) | $167 |
Your employer pays the same amount again on your behalf.
When CPP "maxes out"
Notice the numbers stop climbing at about $4,341. Once your pensionable income passes the second ceiling (around $81,200 in 2025), you have paid the full year's CPP and contributions stop until January. That is why a December paycheque can suddenly look bigger for higher earners.
Quebec is different
Quebec workers pay QPP instead of CPP. The QPP rate is a little higher than CPP, and Quebec also has QPIP (parental insurance). So a Quebec worker on $60,000 pays more toward QPP than an Ontario worker pays toward CPP. See the Quebec paycheck calculator for exact figures.
See your exact number
These are estimates with basic amounts only. For your real number — including income tax, EI, and your province — use the free payroll calculator or the CPP & EI calculator. New to CPP2? Read CPP2 explained for 2026.
Figures use 2025 CRA ceilings; 2026 ceilings are slightly higher. Confirm current amounts with the CRA or use the calculator.
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Disclaimer: This content is based on publicly available information and general tax knowledge for reference only. Individual tax situations may vary. Please consult a qualified tax professional or accountant for personalized advice.