Ontario · 2026 · CPP + CPP2 · EI · Income tax
Plug in what you pay an employee (or yourself). We’ll run the 2026 CPP and CPP2, EI, federal and Ontario tax — and show you the employer’s real cost at the bottom. No signup. Numbers stay in your browser.
Pre-deduction pay for one pay period — before CPP, EI, and tax come off. Salary or hourly × hours, whichever you run.
Planning estimate. Uses 2026 CPP and EI rates with 2025 indexed income-tax brackets. For exact withholding on a single paycheque, use CRA’s PDOC.
We run payroll every week for Ontario employers — T4s, T4As, ROEs, source-deduction remittances, WSIB, and all the CRA back-and-forth. One price, everything filed on time, no surprise penalties.
Book a free payroll review →Base CPP is 5.95% on pensionable earnings between the $3,500 exemption and the $74,600 YMPE. Above that, CPP2 kicks in at 4.00% up to the $85,000 YAMPE. Max out at $4,230.45 base + $416 CPP2 for the year — each from the employee and from the employer. Self-employed pay both halves.
Employee rate is $1.63 per $100 of insurable earnings in 2026 — up to the $68,900 MIE. Employer pays 1.4 times that, or $2.28 per $100, capped at $1,572.30 for the year. Self-employed don’t pay EI unless they’ve opted into the self-employed special benefits program.
We annualize your gross, apply the federal rate schedule (14% full-year for 2026) and Ontario’s five-bracket schedule, subtract the basic personal amounts and CPP/EI credits, and divide back to your pay period. The Ontario surtax catches higher earners at $5,710 and $7,307 of basic provincial tax.
Extra claim-code credits (TD1 dependants, disability, age amount), Ontario Health Premium (added on the T1 return, not at payroll), RRSP matching, group benefits, union dues, garnishments, or the K factor CRA’s T4127 uses for per-period rounding. Real paycheques differ by a few dollars — the annual picture is accurate.
Rates current for 2026. CPP, CPP2, and EI use CRA-published 2026 maximums. Income tax uses 2025 indexed brackets with the 14% full-year 2026 federal lowest-bracket rate — CRA’s 2026 indexation adjustment is approximately 2.7% and has a sub-1% impact on estimated tax at most income levels. Ontario only. This is a planning estimator, not tax advice or a CRA PDOC replacement — real per-paycheque withholding follows the T4127 formulas with TD1 claim codes and the K rounding factor. Everything runs in your browser; we never see your numbers.
Sources: CRA CPP contribution rates · ESDC EI premium rates 2026 · Ontario personal income tax. Built by Yogi & Associates, Mississauga.