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CPP Contribution Calculator

↻ Updated 2026 tax year

Calculate your 2026 Canada Pension Plan contributions — base CPP and the new CPP2 — with the matching employer portion and combined total.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Annual pensionable earnings

Your CPP contribution

$3,957

$3,957/yr

Employer match

$3,957

paid on your behalf

Total to CPP

$7,914

employee + employer

Base CPP vs CPP2

Base CPP (5.95%)$3,957

CPP2 (4%)$0

Breakdown

Base CPP on pensionable earnings ($3,500–$74,600)$3,957

CPP2 on earnings $74,600–$85,000$0

Your total contribution$3,957

Employer match$3,957

Combined total$7,914

ASSUMPTIONS — 2026 CPP rates: a $3,500 basic exemption, 5.95% base rate up to the $74,600 YMPE (max $4,230), plus CPP2 at 4% on earnings between the YMPE and the $85,000 ceiling (max $416). Employers match employee contributions. Quebec uses the separate QPP instead of CPP.

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Sources & rate references

·CRA — CPP, CPP2 and EI rates (2026) — YMPE $74,600, CPP2 to $85,000, EI max insurable $68,900

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.