Find out exactly when your CPP and EI payroll deductions will stop for the year. Enter your salary and pay frequency to get an estimated date and pay period.
Estimate your net pay after federal and provincial income tax, CPP contributions, and EI premiums. Covers all 13 Canadian provinces and territories.
These free Canadian payroll calculators are designed to help employees understand their paycheques. Whether you want to know when your CPP and EI deductions will stop for the year, or how much of your gross salary you actually take home after tax, you'll find the answers here.
All calculations use the rates and limits published by the Canada Revenue Agency (CRA) and provincial tax authorities for the current tax year. Results are estimates — consult a tax professional or the CRA's payroll deductions calculator for precise figures.
Every Canadian employee's paycheque has three mandatory deductions taken off before you receive it: federal and provincial income tax, Canada Pension Plan (CPP) contributions, and Employment Insurance (EI) premiums. Together these can account for 25–45% of your gross pay depending on your income and province.
Income tax is progressive — you pay a higher rate only on the portion of your income above each bracket threshold. CPP and EI, by contrast, are flat-rate deductions that stop once you hit the annual maximum. That means for higher earners, take-home pay actually increases partway through the year once CPP and EI max out.
For 2026, the CPP contribution rate is 5.95% on earnings between $3,500 and $74,600, for a maximum employee contribution of $4,230.45. A second enhanced CPP tier (CPP2) applies an additional 4% on income between $74,600 and $85,000. EI premiums are 1.66% on insurable earnings up to $68,900, for a maximum annual premium of $1,143.74.
Once you reach these maximums — typically somewhere between July and October for median earners — deductions stop and your net pay increases for the rest of the year. Use the CPP & EI Max-Out Calculator to find your exact date.
Provincial income tax varies significantly across Canada's 13 provinces and territories. Alberta has the lowest top rate at 15%, while Quebec reaches 25.75%. Ontario sits in the middle at 13.16% for the highest bracket. The Take-Home Pay Calculator applies the correct federal and provincial brackets for wherever you live, giving you a combined effective tax rate that reflects your actual situation.
Are these calculators free? Yes — completely free, no sign-up required.
How accurate are the results? Results are estimates based on published CRA and provincial tax rates. They do not account for RRSP contributions, employer benefit deductions, union dues, or other individual tax credits. For payroll-accurate figures, use the CRA's payroll deductions online calculator.
Do the calculators work for Quebec? The CPP & EI Max-Out Calculator applies standard federal rates. Quebec residents contribute to QPP instead of CPP and pay QPIP premiums — results will be approximate. The Take-Home Pay Calculator includes Quebec provincial tax brackets but notes the QPP/QPIP difference.
What year do the rates apply to? All calculators use 2026 rates as published by the CRA and provincial tax authorities.
Do CPP and EI limits change every year? Yes. Both the CPP maximum pensionable earnings and EI maximum insurable earnings are indexed annually to average Canadian wage growth. This site is updated each year to reflect the current limits.