Salary Calculator Canada
Find your take-home pay after federal and provincial income tax, CPP or QPP and EI for the 2026 tax year, in any province or territory. Enter a yearly, monthly, weekly, daily or hourly amount, or work backwards from the take-home pay you want. It runs in your browser, so nothing you type is sent anywhere.
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How to use it
- 1
Enter your pay and province
Type your gross pay, choose how often you are paid, and pick your province or territory.
- 2
Add options if you need them
Set your work schedule, a bonus, RRSP contributions or union dues, or tick the box to work backwards from take-home pay.
- 3
Read the breakdown
See take-home pay for every pay period, each deduction, your tax rates and the same pay in every province.
Questions about salary calculator canada
Which tax year does it use?
The 2026 tax year: the 2026 federal and provincial brackets, CPP and second CPP limits, and EI rates.
What does it leave out?
It assumes one person with one employer and no other income, and claims only the basic personal amount and the CPP, EI and employment credits. Spouse, dependant, age, disability and tuition credits are not included, so your own tax return may differ.
Why is Quebec treated differently?
Quebec has its own income tax, QPP instead of CPP, QPIP premiums, a lower EI rate and a federal abatement. The calculator includes all of these, but Quebec figures are the roughest estimates, so check them with Revenu Québec for anything important.
How does working backwards work?
Tick "Work backwards from my take-home pay", enter the amount you want to receive in any pay period, and it finds the gross pay that leaves that amount after tax and deductions.
Is my information sent anywhere?
No. Everything is worked out on your device.
What comes off a Canadian paycheque
Four things reduce a salary before it reaches your bank account. Federal income tax and provincial or territorial income tax are charged in steps, so each extra dollar is taxed at the rate of the bracket it falls in, and the first part of your income is covered by the basic personal amount. The Canada Pension Plan takes 5.95 percent of earnings between $3,500 and $74,600, up to $4,230.45 a year, plus 4 percent of earnings between $74,600 and $85,000, up to $416. Employment Insurance takes 1.63 percent of earnings up to $68,900, which is at most $1,123.07 a year.
Quebec works differently. It has its own income tax, the Quebec Pension Plan (6.3 percent, up to $4,479.30, plus the same $416 second contribution), a Quebec parental insurance premium and a lower EI rate of 1.3 percent. Quebec residents also get a 16.5 percent reduction in federal tax.
Example take-home pay in Ontario
These figures are for 2026 in Ontario, rounded to the nearest dollar, for one person with no bonus, RRSP contributions or other credits. They come from the same calculation the tool uses. Ontario adds a surtax on higher provincial tax and a health premium of up to $900 a year, so the same salary leaves a different amount in other provinces. The table of provinces under the results shows the difference.
| Gross pay per year | Income tax | CPP and EI | Take-home per year | Take-home per month |
|---|---|---|---|---|
| 40,000 | 4,363 | 2,824 | 32,814 | 2,734 |
| 60,000 | 8,320 | 4,340 | 47,340 | 3,945 |
| 80,000 | 14,128 | 5,570 | 60,303 | 5,025 |
| 100,000 | 20,024 | 5,770 | 74,206 | 6,184 |
| 150,000 | 39,911 | 5,770 | 104,320 | 8,693 |
Lowering your tax with an RRSP
An RRSP contribution is taken off your taxable income, so it saves tax at about the rate shown as "Tax on your next dollar". In Ontario at a salary of $80,000, a $1,000 contribution lowers income tax by about $300. Union dues are deducted in the same way. Enter them under More options to see the effect.
The calculator does not check your RRSP deduction limit, which is shown on your notice of assessment from the Canada Revenue Agency.