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Employee with controlled tips
If your tips are on payroll or from a Controlled Tip model, you pay CPP and EI on them. With a direct tipping model on Actual you keep 100% of your tips, and we deposit your tips directly to your bank account.
*2026 CPP contribution rate is 5.95% and EI premium is 1.63%. In a Controlled Tip Model where the employer has placed tips on payroll, the employer is taking on the cost of CPP and EI, approximately 7.58%.