CA 2028 CPP Contribution
Heads up: official 2028 figures have not been announced yet — this tool uses projections from the latest confirmed rates and current law. We update it as soon as official numbers are published.
CA 2028 CPP: base 5.95% to YMPE $72,400 + 4% CPP2 to YAMPE $82,400. Self-employed doubles both rates (11.9% + 8%). QPP similar in Quebec.
| YMPE 2028 | — |
| YAMPE 2028 | — |
| Base rate | — |
| CPP2 rate | — |
| Base CPP | — |
| CPP2 enhancement | — |
| Total 2028 CPP | — |
Canada 2028 CPP enhanced contributions: 5.95% base on earnings to Year's Maximum Pensionable Earnings (YMPE ~$72,400) + 4% CPP2 enhancement on earnings YMPE to Year's Additional Maximum (YAMPE ~$82,400). Self-employed pays both halves = 11.9% + 8%. Quebec uses separate QPP with similar structure.
CPP Enhancement Phase-In
2019-2025: rate phased 4.95% → 5.95%. 2024 introduced CPP2 (additional 4% on earnings YMPE-YAMPE). 2028 = full enhancement. Maximum total contribution ~$5,500 employee in 2028 (projected from $4,500 in 2025). Long-term: enhanced CPP replaces 33% of pensionable earnings (vs 25% pre-enhancement).
Self-Employed Doubles
SE pays both employer + employee halves = 11.9% base + 8% CPP2. Maximum ~$11,000 in 2028. Deduct half above the line, claim the other half as tax credit. Net cost lower than headline 11.9%.
Quebec QPP Differs
Quebec employer/employees use QPP not CPP. Rate: 6.4% base + 4% QPP2 (slightly higher than CPP). Different administration, similar benefit. Quebec residents who work in other provinces get CPP, vice versa.
Last updated May 2026. Sources: CRA CPP.