Canada Payroll Rates — connector documentation

MCP endpoint: https://ca-payroll-rates.connectorbay.com/mcp
REST API: POST https://ca-payroll-rates.connectorbay.com/v1/tools/{tool_name}, described by the OpenAPI 3.1 spec at https://ca-payroll-rates.connectorbay.com/openapi.json
Transport: Streamable HTTP, stateless, MCP specification 2025-06-18 or later
Authentication: none required. An optional Authorization: Bearer <key> raises rate limits.
Health: https://ca-payroll-rates.connectorbay.com/health · Tool schemas: https://ca-payroll-rates.connectorbay.com/tools.json
Publisher: Unify Dynamics LLC · connectorbay.com/ca-payroll-rates · agent@connectorbay.com

What Canada Payroll Rates is for

Computes the statutory payroll contributions a Canadian employer withholds and matches: Canada Pension Plan (CPP) and the second additional CPP (CPP2), Employment Insurance (EI, federal or reduced Quebec rate, employer 1.4 times), and in Quebec the Quebec Pension Plan (QPP, with its second additional contribution) and the Quebec Parental Insurance Plan (QPIP). Rates, maximums and the basic exemption are stored per year (2025 and 2026, EI also the listed 2027 rates) with source, page date and a verification level, and every answer says which year it used. Tools work per pay period with year-to-date amounts, or for a whole year of even pay: employer statutory cost, and the pay period in which the employee reaches each annual maximum. Announced changes are labelled by status (the CPP base rate cut announced for 2027-01-01 is 'proposed', not applied). Income tax withholding, provincial payroll taxes and workers' compensation premiums are not included. General information only, not payroll advice.

Ask your assistant things like:

"What CPP and EI do I withhold and match on a $2,500 biweekly paycheque in 2026?"
"When in 2026 does my $120,000 employee stop paying CPP and EI?"
"What do QPP, QPIP and Quebec EI add to the cost of a $60,000 employee in Quebec?"
"How did the CPP and EI maximums change from 2025 to 2026?"
"My employee has been paid $70,000 so far this year: how much CPP2 applies to this $8,000 payment?"

What it does

cpp_contribution: Employee and employer CPP for one pay period from pensionable earnings and year-to-date contributions (outside Quebec).
cpp2_contribution: Second additional CPP (CPP2): 4% on earnings between the YMPE and the additional maximum.
ei_premium: EI employee premium and employer 1.4 times amount for one pay period, federal or Quebec rate.
qpp_contribution: Quebec Pension Plan base, first additional and second additional contribution for one pay period.
qpip_premium: QPIP employee and employer premiums for one pay period with the year's maximum insurable earnings.
employer_cost_estimate: Employer statutory contributions for a year of even pay (CPP/CPP2/EI or QPP/second additional/Quebec EI/QPIP).
cap_hit_date: Pay period in which an employee reaches each annual maximum, with pay dates when the first pay date is given.
payroll_parameters: All CPP, CPP2, EI, QPP and QPIP parameters for a year with sources, page dates, verification and announced changes.
compare_years: Parameter-by-parameter difference between two years of CPP, CPP2, EI, QPP and QPIP rates and maximums.

Data sources

Reference data from official sources (canada.ca, revenuquebec.ca); every answer states its source, date and validity period.

What it is not

Canada Payroll Rates is independent; not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Names of rails, schemes and standards are used only to say what a tool works with. It is read-only: it never sends, pays, files or signs anything for you, and it never looks up private individuals.

Not advice. General information only, not legal, tax, accounting or payment advice. Canada Payroll Rates is an independent tool: it is not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Rates, thresholds and rules change; check the cited official source and confirm with a qualified professional before you rely on a result.

Built for: Canada. Languages: English.

Tools

Calculate

compare_years — Parameter-by-parameter difference between two years of CPP, CPP2, EI, QPP and QPIP rates and maximums. Use for "How much did the CPP and EI maximums go up from 2025 to 2026?". Args: year_a, year_b.

Reference & guides

cpp_contribution — Employee and employer Canada Pension Plan contribution for one pay period from pensionable earnings and year-to-date contributions (outside Quebec). Use for "What CPP do I deduct and match on a $2,500 biweekly paycheque in 2026?". Args: pensionable_earnings, pay_periods_per_year, year, ytd_contributions.

cpp2_contribution — Second additional CPP (CPP2) for one pay period: 4% on pensionable earnings between the year's maximum pensionable earnings and the additional maximum. Use for "My employee has been paid $70,000 so far in 2026: how much CPP2 applies to this $8,000 payment?". Args: pensionable_earnings, ytd_pensionable_earnings, year, ytd_cpp2.

ei_premium — Employment Insurance employee premium and the employer amount (1.4 times) for one pay period, at the federal or the reduced Quebec rate. Use for "How much EI do I withhold and owe on top for a $2,500 paycheque, and does Quebec differ?". Args: insurable_earnings, region, year, ytd_employee_premiums.

qpp_contribution — Quebec Pension Plan contribution for one pay period: base plus first additional at 6.30% (2026) and the second additional 4% above the maximum pensionable earnings. Use for "What QPP do I withhold and match on a $3,000 monthly salary in Quebec in 2026?". Args: pensionable_earnings, pay_periods_per_year, year, ytd_contributions, ytd_pensionable_earnings, ytd_second_additional.

qpip_premium — Quebec Parental Insurance Plan employee and employer premiums for one pay period with the year's maximum insurable earnings. Use for "How much QPIP do I withhold and owe on a $2,500 Quebec paycheque in 2026?". Args: insurable_earnings, year, ytd_employee_premiums, ytd_employer_premiums.

employer_cost_estimate — Employer statutory payroll contributions for a year of even pay: CPP and CPP2 with EI outside Quebec, or QPP, second additional, Quebec EI and QPIP in Quebec. Use for "What do CPP and EI add to the cost of a $60,000 employee paid every two weeks in 2026?". Args: annual_earnings, pay_periods_per_year, region, year.

cap_hit_date — Pay period in which an employee reaches each annual maximum (CPP or QPP, CPP2 or second additional, EI, QPIP) for even pay across the year. Use for "When in 2026 does my $120,000 employee stop paying CPP and EI?". Args: annual_earnings, pay_periods_per_year, region, year, first_pay_date.

payroll_parameters — Every CPP, CPP2, EI, QPP and QPIP parameter for a year (rates, maximums, exemption per pay period) with sources, page dates, verification and announced changes. Use for "What are the 2026 CPP, EI and QPIP maximums and where does each figure come from?". Args: year, on_date.

Conventions

Read-only. Every tool reads public data or computes; nothing is written anywhere and nothing about the user is stored.
Result envelope. ok: true with data, or ok: false with a structured error (bad_input, not_found, upstream_error). degraded lists optional sources that were unreachable.
Rate limits. Free tier 60 tool calls/minute and 300/day per user (keyed on the user identifier supplied by the host agent, else client IP); Pro keys raise this. Over-limit calls return HTTP 429 with Retry-After. initialize and tools/list are never counted.

Support

agent@connectorbay.com · connectorbay.com/ca-payroll-rates/support