EI Calculator 2025

Estimate your weekly Employment Insurance benefit based on your earnings. Updated for 2025 with the latest maximum insurable earnings and benefit rates.

Employment Insurance Calculator 2025

Enter your earnings to estimate your weekly EI benefit. The calculator uses the standard 55% rate and the 2025 maximum insurable earnings of $63,200/year.

Your annual salary or total insurable earnings (last 52 weeks) ($) How many weeks will you use for your best-weeks average? Do you qualify for the low-income family supplement? (family net income under $25,921 with children)

Weekly EI benefit:$0

Biweekly payment:$0

Estimated for 35 weeks (standard parental):$0

Estimated for 45 weeks (max regular EI):$0

*Estimate only. Actual EI is determined by Service Canada based on your Record of Employment and regional unemployment rate. Taxes will be deducted from your payments.

EI 2025 Key Numbers

Parameter	2025 Value
Benefit rate (standard)	55% of average weekly insurable earnings
Maximum insurable earnings	$63,200/year ($1,215.38/week)
Maximum weekly benefit	$668/week
Low-income supplement rate	Up to 80% (family income under $25,921)
Waiting period	1 week (no pay)
Maximum regular EI duration	45 weeks
Employee premium rate	$1.64 per $100 insurable earnings
Maximum annual premium (employee)	$1,077.48

EI Benefit by Salary — Quick Reference

Annual Salary	Weekly EI (55%)	Monthly EI (approx.)
$30,000	$317/week	$1,375/month
$40,000	$423/week	$1,833/month
$50,000	$529/week	$2,292/month
$55,000	$582/week	$2,521/month
$60,000	$634/week	$2,748/month
$63,200+	$668/week (max)	$2,893/month

These figures are before tax. EI is taxable income — expect 15–25% withheld depending on your province and total annual income.

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How EI Premiums Are Deducted

EI premiums are deducted from every paycheque throughout the year. In 2025, the employee rate is $1.64 per $100 of insurable earnings, up to the annual maximum of $1,077.48.

Annual Salary	Annual EI Premium	Per Paycheque (26 pays)
$30,000	$492	$18.92
$50,000	$820	$31.54
$63,200+	$1,077.48 (max)	$41.44

Frequently Asked Questions

What does "best weeks" mean for EI calculation?

The EI benefit is based on your highest-earning weeks in the past 52 weeks. The number of "best weeks" used depends on your region's unemployment rate — ranging from 14 weeks in high-unemployment areas to 22 weeks in low-unemployment areas. This formula helps workers in volatile industries (seasonal work, construction) get a fairer benefit amount.

When does EI get paid?

EI is paid every two weeks (biweekly) after you submit your biweekly reports. With direct deposit, payments typically arrive 2–3 business days after you submit your report. The first payment usually arrives about 4–6 weeks after you apply, covering the first report period minus the 1-week waiting period.

Is EI income taxable?

Yes. EI benefits are subject to federal and provincial income tax. Tax is automatically withheld from each payment. You'll receive a T4E slip at tax time. If you earn other income in the same year (like part-time work), your total income may push you into a higher bracket and you could owe additional tax on your return.

Can self-employed people get EI?

Self-employed Canadians can opt into the EI program for access to special benefits (maternity, parental, sickness, compassionate care). You must register, pay self-employed EI premiums for at least 12 months, and then meet the same hours and earnings requirements. Self-employed workers are not eligible for regular (job-loss) EI.