EI Premium Calculator

↻ Updated 2026 tax year

Calculate your 2026 Employment Insurance premium on insurable earnings, with the 1.4× employer portion and the maximum insurable earnings cap.

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

Your inputs

Annual insurable earnings

Capped at $68,900 max insurable

Your EI premium

$978

$978/yr

Employer portion

$1,369

1.4× your premium

Total to EI

$2,347

employee + employer

Employee vs employer

Your premium$978

Employer (1.4×)$1,369

Breakdown

Insurable earnings$60,000

EI rate (1.63%)$978

Employer portion (1.4×)$1,369

Combined total$2,347

ASSUMPTIONS — 2026 EI (outside Quebec): employee rate 1.63% on insurable earnings up to $68,900, for a maximum premium of $1,123. Your earnings are below the ceiling. Employers pay 1.4× the employee amount. Quebec has lower EI rates plus separate QPIP premiums.

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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.