CPP & EI Contribution Calculator

CPP & EI Contribution Calculator works out the two mandatory payroll contributions every Canadian employee pays, including the second CPP tier introduced in 2024 that many older calculators still miss. Base CPP is charged on earnings between the basic exemption and the Year’s Maximum Pensionable Earnings, CPP2 adds a further rate on earnings between the YMPE and the Year’s Additional Maximum Pensionable Earnings, and Employment Insurance premiums apply up to maximum insurable earnings. Enter annual earnings and the tool returns each component, the employee total, and the employer side — employers match CPP dollar for dollar and pay 1.4 times the employee EI premium, which is worth knowing when negotiating contract versus employee arrangements. It also tells you when you have hit each annual maximum, the point where contributions stop for the rest of the year.

Key Features

• CPP2 Second Tier Included

  Models the additional CPP tier on earnings between the YMPE and YAMPE. Calculators built before 2024 omit it and understate contributions for higher earners.

• Basic Exemption Applied

  The first tranche of earnings is exempt from CPP entirely, which matters most for part-time and low earners.

• Employer Side Shown

  Employers match CPP and pay 1.4x the employee EI premium. Useful context for contractors pricing their own equivalent burden.

• Annual Maximum Detection

  Tells you when earnings exceed each cap, so you know contributions stop partway through the year.

• Share of Income

  Total contributions as a percentage of earnings, since these payroll deductions are often overlooked when planning take-home pay.

• Threshold Reference Notes

  Displays the YMPE, YAMPE, basic exemption and maximum insurable earnings used, so the calculation is fully transparent.

1. 1

   Enter your annual earnings

   Use pensionable and insurable employment earnings, which for most employees is simply gross salary.

2. 2

   Read the summary

   Check total CPP including CPP2, EI, and the combined employee total.

3. 3

   Review the detail rows

   See base CPP, CPP2 and EI separately along with the rate applied to each.

4. 4

   Check the employer side

   The employer figures show the true total cost of the contributions on your earnings.

5. 5

   Watch for maximum notices

   If you have reached a cap, the tool says so and shows the annual maximum contribution.

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