← Home

CPP & EI Calculator

Estimate your 2025 employee CPP contributions (including CPP2) and EI premiums from your employment income.

Inputs

CAD
2025 rates (outside Quebec): CPP 5.95% on earnings between the $3,500 basic exemption and the $71,300 ceiling (max $4,034.10), plus CPP2 of 4% on earnings from $71,300 to $81,200 (max $396). EI is 1.64% up to $65,700 (max $1,077.48). Your employer pays matching CPP and 1.4× your EI. Quebec uses QPP and QPIP at different rates.

Total CPP + EI

Employee contributions
$0

How CPP and EI work

CPP (Canada Pension Plan) funds your retirement pension. Employees contribute 5.95% of earnings between the $3,500 basic exemption and the first ceiling of $71,300, for a maximum of $4,034.10. Since 2024 there is also CPP2 — an extra 4% on earnings between $71,300 and the second ceiling of $81,200 (up to $396) — which builds a higher future pension for higher earners. Your employer matches your CPP dollar for dollar.

EI (Employment Insurance) funds benefits such as job-loss, sickness and parental leave. Employees pay 1.64% of insurable earnings up to $65,700, capping at $1,077.48, and employers pay 1.4 times the employee rate. In Quebec the rates differ because of QPP and the Quebec Parental Insurance Plan (QPIP).

FAQ

What is CPP2?
A second, higher CPP contribution introduced in 2024: 4% on earnings between $71,300 and $81,200 in 2025, to provide a larger pension for higher earners.
Do contributions stop at a maximum?
Yes. CPP (incl. CPP2) maxes out at $4,430.10 and EI at $1,077.48 for 2025; no further premiums are deducted once you reach the ceilings.
Does my employer pay too?
Yes. Employers match CPP dollar for dollar and pay 1.4× the employee EI premium.
What about Quebec?
Quebec workers pay QPP instead of CPP and contribute to the QPIP, with different rates — not covered here.