Canada CPP Calculator
Estimate your annual Canada Pension Plan contribution from your salary, using the current earnings ceiling and rate.
Annual CPP contribution
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Monthly amount —
Pensionable earnings used —
CAD amounts. Uses base CPP only; does not include the CPP2 second tier for earnings above the YMPE. Verify current thresholds at canada.ca.
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How it works
CPP = (min(earnings, YMPE) − basic exemption) × contribution rateFrequently Asked Questions
How is CPP calculated?
CPP applies to earnings between the $3,500 basic exemption and the Year's Maximum Pensionable Earnings (YMPE, roughly $71,300 in recent years) at a combined employee rate around 5.95% (plus a second, smaller CPP2 tier above the YMPE up to a higher ceiling). A $60,000 salary pays roughly $3,362 for the year.
What is CPP2?
A second contribution tier introduced to boost future benefits, applying at a lower rate to earnings between the YMPE and a higher additional ceiling (YAMPE). Only higher earners pay into this second tier.
Do self-employed Canadians pay CPP differently?
Yes — self-employed individuals pay both the employee and employer portions themselves, roughly double the rate shown here, since there's no employer to split the cost.