This calculator estimates how much CPP you pay in 2026 based on your annual earnings. It is designed for people who want the deduction side of CPP, not the retirement-benefit side. If you want to estimate what CPP will pay you later in life, use the CPP calculator.
The calculator below shows CPP1, CPP2, and the total annual contribution for employees and self-employed Canadians. It also breaks the annual amount into monthly, semi-monthly, bi-weekly, and weekly equivalents so the number is easier to compare with your paycheque.
How the CPP contribution calculator works
Enter your annual pensionable earnings, choose employee or self-employed, and pick the pay frequency you want to see. The calculator uses the 2026 CPP thresholds:
- Basic exemption: $3,500
- YMPE: $74,600
- YAMPE: $85,000
- CPP1 rate: 5.95%
- CPP2 rate: 4.00%
Source: Canada Revenue Agency — CPP contribution rates, maximums and exemptions; verified August 2026.
Try the calculator
| Threshold | 2026 Amount | What it Means |
|---|---|---|
| Basic exemption | $3,500 | No CPP1 contributions below this amount |
| YMPE | $74,600 | CPP1 stops above this ceiling |
| YAMPE | $85,000 | CPP2 stops above this ceiling |
| Employee CPP1 rate | 5.95% | Applied to pensionable earnings between $3,500 and $74,600 |
| Employee CPP2 rate | 4.00% | Applied to earnings between $74,600 and $85,000 |
What counts as CPP income?
CPP is based on pensionable earnings. For most employees, that is your employment income before tax deductions. For self-employed Canadians, the contribution is based on net self-employment income that is subject to CPP.
CPP2 applies only to earnings above the first ceiling, so the calculator is most useful if your income is near or above the 2026 YMPE. If you earn below the YMPE, you will usually only see CPP1.
When CPP contributions stop for the year
Once you hit the annual ceiling, CPP deductions stop until the next calendar year. That is why your take-home pay usually rises partway through the year if you earn enough to max out CPP.
If you want the full 2026 rate breakdown, see the CPP contribution rates page.