Canada Payroll 2026 Gap Check: CPP2 & EI by ReadyStack

Reads a salary against the 2026 CRA ceilings and shows what a payroll still on 2025 tables under-deducts before CRA's PIER review finds it.


Click Add to Firefox on this page. Nothing to unzip, no developer mode - the free version runs right away.

• 2026 ceilings, not last year's — Uses the 2026 YMPE of $74,600, the YAMPE of $85,000 and the EI maximum insurable earnings of $68,900, so the deduction is this year's number and not the one a chatbot memorised.
• The CPP2 band nobody keys by hand — Contributes 4% on the slice of pay between the two ceilings, the line most spreadsheets skip: $416.00 at the 2026 maximum against $396.00 in 2025.
• PIER exposure, both shares — Shows what CRA bills the employer when the shortfall surfaces after the T4 run, because a PIER assessment covers the employee portion as well as the employer portion.
• Quebec QPIP rate — Switches the EI rate to the Quebec QPIP rate of 1.30% instead of the rest-of-Canada 1.63%, so a Quebec payroll is not measured against the wrong rate.
• Per-cheque figure — Turns the annual CPP, CPP2 and EI amounts into the deduction that belongs on one cheque for 52, 26, 24 or 12 pay periods.

| You type | |
|---|---|
| Annual pensionable pay | default 92000 |
| Pay periods per year | default 26 |
| EI rate region | default Rest of Canada |
| Employees paid above the first ceiling | default 12 |
| Payroll still using the 2025 ceilings | default True |

| It answers | |
|---|---|
| 2026 CPP, employee | CAD/year |
| 2026 CPP2, employee | CAD/year |
| 2026 EI, employee | CAD/year |
| 2026 EI, employer | CAD/year |
| Employee deduction per cheque | CAD |
| PIER exposure per employee, both shares (minus = over-deducted) | CAD |
| PIER exposure, all staff above the ceiling | CAD |

Permissions requested: storage, downloads


Free: the calculation in the popup, no key, no limit. Full version ($60): download the result as .csv - one licence key per person or team seat. Get it: https://getreadystack.com/api/buy/cl/polar_cl_daEwwVoRBQyt7DGy0jvLyEVwriqRsA5YY6Ssn1eOdSL


When you use the tool, the extension sends one anonymous count a day (the tool’s name only — no inputs, no personal data). Turn it off on the first page after install. Firefox asks first and sends nothing unless you allow it. A licence key is checked with the payment provider (Polar) only when you enter one.