CPP · CPP2 · QPP
CPP Calculator 2026
Work out your Canada Pension Plan contributions for 2026, including CPP2, for employees and the self-employed. Quebec QPP included.
Official 2026 rates, verified October 9, 2026
2026 CPP and QPP rates
| Plan | Rate (employee) | Earnings range | Maximum |
|---|---|---|---|
| CPP | 5.95% | $3,500 to $74,600 | $4,230.45 |
| CPP2 | 4% | $74,600 to $85,000 | $416.00 |
| QPP | 6.30% | $3,500 to $74,600 | $4,479.30 |
| QPP2 | 4% | $74,600 to $85,000 | $416.00 |
The rate includes the base 4.95% (5.30% for QPP) plus the 1% first additional contribution. The base part earns a tax credit; the additional parts and CPP2 are deducted from income.
Frequently asked questions
How much is CPP in 2026?
Employees pay 5.95% on earnings between $3,500 and $74,600, up to $4,230.45, plus 4% CPP2 on earnings between $74,600 and $85,000, up to $416. Employers pay the same again.
What is CPP2?
A second tier of CPP contributions introduced in 2024 on earnings above the regular maximum ($74,600 in 2026) up to a higher ceiling ($85,000). It funds a larger pension later.
How much CPP do self-employed people pay?
Both halves: 11.9% on earnings between $3,500 and $74,600 (up to $8,460.90) plus 8% CPP2 up to $85,000 (up to $832). Half is deductible from income and half earns a tax credit.
Is QPP different from CPP?
Yes. Quebec workers contribute to the Quebec Pension Plan at 6.30% instead of 5.95%, on the same earnings range, up to $4,479.30. QPP2 is also 4% up to $85,000.
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All rates and amounts on this page are taken from official government sources, including the Canada Revenue Agency, Revenu Québec and provincial and territorial finance ministries. Last verified October 9, 2026.