CPP Calculator (2026)
CPP is federal, so it's the same in every province. Enter your income and see exactly how your yearly contribution is built — from the $3,500 exemption up to the annual maximum.
Your 2026 CPP contribution
$0
How CPP is calculated
CPP takes 5.95% of your pensionable earnings — the slice of income between the $3,500 basic exemption and the $74,600 yearly maximum. Subtract $3,500 from your income (capped at $74,600), multiply by 5.95%, and that's your base contribution, up to $4,230.45. Your employer pays the same amount alongside you.
Since 2024 there's a second tier. Earnings between $74,600 and $85,000 attract CPP2 at 4%, adding up to $416 more. So the most an employee contributes in 2026 is $4,646.45. Below $3,500 you pay nothing, and above $85,000 no further CPP applies.
Common questions
How is CPP calculated?
It's 5.95% of pensionable earnings between the $3,500 exemption and $74,600. Take income up to $74,600, subtract $3,500, multiply by 5.95% — that's base CPP, up to $4,230.45. Earnings from $74,600 to $85,000 add CPP2 at 4%.
How do I calculate my CPP contributions for 2026?
Subtract $3,500 (income capped at $74,600), multiply by 5.95% for CPP1, then add 4% of earnings between $74,600 and $85,000 for CPP2. The combined employee maximum is $4,646.45. Enter your income above to see each part.
What is the maximum CPP contribution in 2026?
For an employee, $4,230.45 for CPP1 plus $416 for CPP2 — $4,646.45 combined, matched by your employer. Self-employed people pay both halves, so their maximum is double.
Does CPP come off every dollar I earn?
No. The first $3,500 each year is exempt and earnings above $85,000 attract no further CPP, so it only applies to the band in between. That's why high earners stop paying partway through the year.