CPP & EI Stop Date Calculator

Calculate when your CPP and EI contributions will stop during the year.

Employee Information

Enter your salary and employment details

About CPP & EI Contributions

Understanding contribution limits and stop dates

CPP Contributions

Basic Exemption:$3,500 per year

Base Rate (up to YMPE):5.95% (includes enhanced rate)

Additional Rate (YMPE to YAMPE):4.00%

YMPE:$71,300

YAMPE:$81,200

Maximum Annual Contribution:$4,430.10

Why CPP Contributions Are Slightly Lower in Each Pay Period

The Canada Pension Plan (CPP) includes a basic exemption amount of $3,500 per year, which means you don't pay CPP on the first $3,500 of your annual income.

However, this exemption isn't applied all at once — instead, it's spread evenly across your pay periods throughout the year.

For example, if you're paid biweekly, the exemption is prorated as $134.62 per period ($3,500 ÷ 26 pay periods).

Each pay period, your CPP contribution is calculated as:

CPP = (Gross pay − $134.62) × 5.95%

This continues until you reach your maximum annual CPP contribution, after which deductions stop.

EI Contributions

Rate:1.64%

Maximum Insurable Earnings:$65,700

Maximum Annual Contribution:$1,077.48

Once you reach the maximum contribution for the year, your employer should stop deducting CPP and EI from your paychecks, resulting in higher take-home pay for the remainder of the year.

Rates accurate as of substantively enacted legislation. This calculator is for estimation purposes only.