Quick Answer
In 2026, most workers pay 5.95% CPP on earnings between $3,500 and $74,600, plus 4% CPP2 between $74,600 and $85,000. On a $60,000 salary that is about $3,362 for the year; on $80,000 about $4,446; and CPP plus CPP2 maxes out at about $4,646 once you earn $85,000 or more. Quebec uses QPP instead, which is slightly higher.
How much CPP you pay, by salary
CPP (the Canada Pension Plan) takes 5.95% of your earnings between the $3,500 basic exemption and the first ceiling ($74,600 in 2026). Earn above that and you also pay CPP2 — an extra 4% up to a second ceiling. Here is what that works out to at each income level for 2026:
| Annual salary | Your CPP contribution (incl. CPP2) | Per bi-weekly cheque |
|---|---|---|
| $40,000 | $2,172 | $84 |
| $50,000 | $2,767 | $106 |
| $60,000 | $3,362 | $129 |
| $70,000 | $3,957 | $152 |
| $80,000 | $4,446 | $171 |
| $90,000+ | $4,646 (maximum) | $179 |
Your employer pays the same amount again on your behalf.
When CPP "maxes out"
Notice the numbers stop climbing at about $4,646. Once your pensionable income passes the second ceiling ($85,000 in 2026), you have paid the full year's CPP and contributions stop until January. That is why a December paycheque can suddenly look bigger for higher earners.
Quebec is different
Quebec workers pay QPP instead of CPP. The QPP rate is a little higher than CPP, and Quebec also has QPIP (parental insurance). So a Quebec worker on $60,000 pays more toward QPP than an Ontario worker pays toward CPP. See the Quebec paycheck calculator for exact figures.
See your exact number
These are estimates with basic amounts only. For your real number — including income tax, EI, and your province — use the free payroll calculator or the CPP & EI calculator. New to CPP2? Read CPP2 explained for 2026.
Figures use 2026 CRA ceilings. Confirm current amounts with the CRA or use the calculator.
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Disclaimer: This content is based on publicly available information and general tax knowledge for reference only. Individual tax situations may vary. Please consult a qualified tax professional or accountant for personalized advice.