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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 2025. 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

wedding costs Canada by ChatGPT AI

Weddings and Costs

Weddings are expensive, but they don’t have to derail your financial future. This Canadian guide to wedding costs explores how modest choices: like brunch receptions, DIY booze, and avoiding over-the-top honeymoons, can keep couples out of debt before the marriage even starts. Smart spending beats financial regret every time.

Canada Flag

Canada Day Celebrate Our Freedoms

Canada Day is a celebration of the incredible country that is Canada—known worldwide for its natural beauty, cultural diversity, and unwavering commitment to peace and inclusion. From coast to coast, Canadians come together on July 1st to honour a nation built on resilience, opportunity, and kindness. Whether it’s our universal healthcare, breathtaking landscapes, or world-class talent, Canada continues to inspire pride in its people and admiration around the globe. Happy Canada Day!

Death die taxes cra new year

When Did You Die?

In estate planning, the exact time of death can have major implications for your estate taxes in Ontario or Quebec. Dying just before or after midnight on New Year’s Eve can affect which tax year your estate must file with the CRA, potentially delaying closure by a full year. This article explains how the declaration of death—especially when it occurs outside of a hospital—can impact the final tax return, estate administration timelines, and legal obligations. Learn what you need to know to avoid costly timing issues and get links to five authoritative estate tax resources for Ontario and Quebec.

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

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