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CPP EI CPP2 Max Premiums for 2026

CPP and EI for 2026

Wondering how much CPP, CPP2, and EI you’ll pay in 2026? This detailed breakdown explains all the new max 2026 contribution thresholds, including changes to EI insurable earnings, CPP maximums, and the growing role of CPP2 for higher-income earners. With premium rate updates, earnings ceilings, and self-employed considerations, this guide helps salary earners and gig workers understand when deductions stop and how the changes compare to 2024. Whether you’re budgeting for take-home pay or just trying to decode your pay stub, this is your one-stop update for the year ahead.

Keywords: max 2026, CPP 2026, CPP2, EI rates, CPP ceiling, EI maximum, employment insurance, Canada Pension Plan, payroll deductions 2026, self-employed CPP

Pension

Public Pensions (redux)

In this reflection on the state of pensions in Canada, I explore the evolving reality of retirement security. Originally written in 2007 and updated over time, the post draws on Statistics Canada data showing that over 4.6 million Canadians were part of employer-sponsored pension plans at the time most of them in the public sector. While pension plans once seemed stable and sufficient, the author’s personal experience with the collapse of the Nortel pension reveals the fragility many Canadians face, especially in the private sector.

The updated section notes that as of 2023, more than 68% of registered pension plan (RPP) members are still covered by defined benefit plans, showing that while pension coverage has not vanished, its landscape is changing. The post serves as both a personal journey and a cautionary note: if you’re lucky enough to have a pension, be thankful but always prepare additional savings (e.g., RRSPs) just in case.

Keywords: pension, retirement, defined benefit plans, RRSP, Canadian pension plans, employer pensions, CPP

CPP EI Max for 2025

CPP, CPP2 and EI for 2025

Wondering how much CPP, CPP2, and EI you’ll pay in 2025? This detailed breakdown explains all the new max 2025 contribution thresholds, including changes to EI insurable earnings, CPP maximums, and the growing role of CPP2 for higher-income earners. With premium rate updates, earnings ceilings, and self-employed considerations, this guide helps salary earners and gig workers understand when deductions stop and how the changes compare to 2024. Whether you’re budgeting for take-home pay or just trying to decode your pay stub, this is your one-stop update for the year ahead.

Keywords: max 2025, CPP 2025, CPP2, EI rates, CPP ceiling, EI maximum, employment insurance, Canada Pension Plan, payroll deductions 2025, self-employed CPP

Pension

The Joy of the best Financial Decision Ever?

What is the best financial decision you have ever made? For me, it was a decision I made out of spite, but it ended up paying off very nicely, and gave me a path to victory for my retirement.

Pension Splitting

Is Pension Income Splitting a good thing?

The only legal way to income split in Canada is via pension income splitting, which is available only to folks with pension income.

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