Canada Money Tools guide
CPP2 in Ontario 2026 Explained
Learn what CPP2 is and how the second earnings ceiling affects employee contributions.
Overview
CPP2 is an additional CPP contribution on pensionable earnings above the first ceiling and up to the second ceiling.
Use the related calculators on this site for illustrative estimates, and verify tax, contribution and legal details with official Canadian sources before making a financial decision.
Key points
- Tax and contribution rules can change by year.
- Your personal result can differ from a generic example.
- Official CRA records and notices take priority for personal limits and deductions.
- Use calculators as planning tools, not as official statements.
Related tools
Ontario Salary Calculator · TFSA Calculator · RRSP Calculator · Mortgage Calculator
FAQ
Are these official CRA calculations?
No. This site is an educational resource. Use CRA tools, payroll tables and your own CRA account for official information.