How this calculator works
The weekly benefit is 55% of average insurable weekly earnings, capped at the 2026 maximum of $729 a week. The cap corresponds to maximum insurable earnings of $68,900 for 2026. The number of weeks payable comes from the official table that combines insurable hours in the qualifying period with the regional unemployment rate. Enter the rate to one decimal place as published by Service Canada. Fewer than 420 insurable hours gives no regular benefits. The calculator does not apply the best-weeks divisor to your earnings history, because you enter the average of your best weeks directly; the divisor is shown for reference. It does not model the waiting period, earnings while on claim, severance or vacation pay, benefit repayment, taxes or special benefits.
Formula
Weekly benefit = min(0.55 x average weekly insurable earnings, $729). Weeks payable = table value for the insurable-hours band and regional unemployment rate band. Total benefits = weekly benefit x weeks payable.
Worked example
With 1,400 insurable hours, a 7.0% regional unemployment rate and $800 of average weekly insurable earnings, the table gives 26 weeks. The weekly benefit is 55% of $800 = $440, so total benefits are $11,440. With $1,400 of weekly earnings the benefit would be capped at $729.
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Frequently asked questions
Why does the table use my region?
EI regular benefits depend on the unemployment rate where you live, because the benefit period is longer in higher-unemployment regions.
What are the best weeks?
The divisor ranges from 22 best weeks at 6% or less to 14 best weeks at 13.1% or more. Enter the average of the required best weeks.
Is the benefit taxable?
Yes. EI benefits are taxable and tax is deducted at source.
Does the calculator include the waiting period?
No. The one-week waiting period is not modelled, and the table shows the maximum weeks payable, not a payment schedule.