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Payroll deductions explained

CPP and EI Calculator Canada

On an $80,000 salary in 2026, CPP and CPP2 take about $4,446 and EI takes about $1,123 — roughly $5,569 a year combined, before any income tax. CPP is 5.95% of earnings between $3,500 and $74,600, plus 4% CPP2 up to $85,000; EI is 1.63% to a $1,123 maximum (Quebec workers pay a lower 1.30% EI rate plus QPIP). Enter your salary and province below to see your exact CPP, CPP2, and EI for the year.

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What CPP pays for

Canada Pension Plan contributions help fund retirement, disability, survivor, and related benefits. Employees and employers both contribute, and self-employed workers generally pay both portions.

What EI pays for

Employment Insurance premiums support eligible workers during job loss, sickness, parental leave, compassionate care, and other qualifying situations.

Why CPP and EI change through the year

CPP and EI each have annual maximums. Once your earnings reach those limits, deductions can stop or change for the rest of the year, which may make later paycheques slightly larger.

Common Searches

CPP deduction calculator 2025
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CPP and EI on bi-weekly pay

Frequently Asked Questions

Are CPP and EI the same as income tax?

No. CPP and EI are payroll contributions, while income tax is paid to federal and provincial governments. All three reduce take-home pay.

Do all employees pay CPP and EI?

Most employees pay CPP and EI, but there are exceptions depending on age, employment type, earnings, and province-specific rules.

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