CPP & EI Calculator for the Self-Employed (2026)
Estimate the Canada Pension Plan (both halves, CPP and CPP2) and optional EI premiums you will owe on your self-employment income at tax time, and how much to set aside each month.
How it works
- Self-employed people pay both the employee and employer CPP share: 2 × 5.95% on earnings between $3,500 and $74,600, plus CPP2 at 2 × 4% between $74,600 and $85,000.
- If you also have a job, the CPP your employer withheld counts first.
- EI is opt-in for the self-employed: 1.63% of earnings up to $68,900 (max $1,123.07), giving access to special benefits (maternity, parental, sickness, caregiving).
Related: side-hustle tax estimate · rate & tax calculator
Free vs Pro
Free
- CPP and CPP2, both halves
- Credit for CPP already paid through a job
- Optional EI premiums
- Monthly set-aside
No account needed. Nothing you type is saved. With a free account (no card): 2 full PDF/CSV exports a month, shared across all tools.
Pro adds
- Compare up to 3 scenarios
- Download a PDF report
- Export to CSV
- JSON API with your licence key
Get Pro: CA$5.00 CAD/month or CA$49.00 CAD/year · one plan for all our tools · cancel any time · secure Stripe checkout
About this tool
CPP & EI Calculator for the Self-Employed (2026) is a free online tool from Crusader Empire: Estimate the CPP, CPP2 and optional EI you will owe on self-employment income. Self-employed Canadians pay both halves of CPP. Enter your net self-employment income (and any job income) to estimate 2026 CPP, CPP2 and optional EI special-benefit premiums, the part you can deduct, and a monthly amount to…
Free: CPP and CPP2, both halves, Credit for CPP already paid through a job, Optional EI premiums. Pro adds: Compare up to 3 scenarios, Download a PDF report, Export to CSV.
Related tools: Freelancer Rate & Tax Calculator (Ontario 2026) · Side-Hustle Tax Calculator (Ontario 2026) · Salary After Tax Calculator by Province (Canada 2026)
Related downloads: The Foundational Small Business Ledger: A Manual for Orderly Finances
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What would make CPP & EI Calculator for the Self-Employed (2026) more useful? Bugs, missing features, confusing wording: our R&D team reads every suggestion. Nothing is offered in return, and we never publish reviews without permission.