✓ Verified against CRA-published 2026 figures

Self-Employed CPP Calculator — 2026 (Canada)

In 2026, self-employed Canadians pay …% CPP on net income between $… and $…, plus …% CPP2 on income up to $… — a maximum of $…. Enter your income below for your exact number.

$0
total CPP you'll owe for 2026 (base CPP + CPP2, both halves — you pay employer + employee portions)
You're at the annual maximum — income above $ doesn't increase CPP.
$0
Base CPP (% of income between $ and $)
$0
CPP2 (% of income between $ and $)
$0
Monthly set-aside so the bill never surprises you
$0
Tax DEDUCTION on your return (lines 22200 + 22215: employer half of base + all enhanced + all CPP2)
$0
Non-refundable tax CREDIT base (employee half of base CPP)
Why the split matters: a deduction reduces your taxable income (worth your marginal rate); a credit is worth the lowest rate. Tax software does this automatically — but now you know why your "CPP" shows up in two places on your T1.

2026 CPP rates for self-employed (at a glance)

ComponentRate (self-employed)Income band2026 maximum

Self-employed people pay both the employee and employer halves — that's why the rate is double what employees see on their paystub. The figures above load directly from our tested calculation engine, verified against CRA-published amounts.

Worked example

FAQ

How much CPP do I pay if I'm self-employed in 2026?

What is CPP2 and do I have to pay it?

Is self-employed CPP tax deductible?

What's the maximum CPP contribution for 2026?

Can I opt out of CPP if I'm self-employed?

No. CPP contributions on self-employment income are mandatory from age 18 to 65 (from 65 to 70 you can elect to stop by filing form CPT30/Schedule 8 election). The upside: these contributions build your CPP retirement pension, disability and survivor coverage.

When do I actually pay it?

CPP on self-employment income is calculated on Schedule 8 and paid with your income tax — through quarterly instalments if the CRA requires them, or as a lump sum by April 30. If your total tax + CPP owing exceeds $3,000 two years running, expect instalment reminders. Our instalments guide covers it.

CPP is only part of your tax bill. Get your full estimate — federal + provincial tax + CPP — and a filled T2125 in about 3 minutes.

Full Tax Calculator → Free T2125 Generator → Categorize Expenses →

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