Canada take-home pay calculator
Enter a gross annual salary and see your monthly take-home after federal and provincial income tax, CPP and EI. Ontario, British Columbia and Alberta are modelled with their own brackets; where a province is not yet covered, the page says so rather than quietly guessing.
Canada
Tax year: 2026
Your take-home, instantly
Enter your annual gross salary to see the breakdown.
How this is calculated
- •Take-home = gross − federal income tax − provincial income tax − CPP − EI.
- •Provincial tax is modelled for Ontario, BC and Alberta. Other provinces and Quebec are not yet included. Pick "Other" and the result shows federal + CPP/EI only, which understates your total.
- •Income tax is computed on gross employment income net of the basic personal amount; RRSP deductions and the CPP/CPP2 tax credit & deduction are not modelled (slightly overstates tax).
- •Ontario surtax and health premium, and the federal BPA phase-out above ~$181,440, are not modelled.
- •Estimate for guidance only, not tax advice.
Sources for 2026
- Canada Revenue Agency / TaxTips.ca
Federal income-tax brackets (14% lowest rate) & basic personal amount for 2026.
- Canada Revenue Agency
CPP 5.95% (YMPE $74,600) + CPP2 4% (YAMPE $85,000) + EI 1.63% (max insurable $68,900) for 2026.
- Provincial budgets / TaxTips.ca
Ontario, BC (5.6% lowest rate) and Alberta 2026 brackets and basic personal amounts.
What comes out of your Canada salary
- •Federal income tax, net of the basic personal amount
- •Provincial income tax for Ontario, British Columbia and Alberta
- •CPP at 5.95% to the $74,600 ceiling, plus CPP2 at 4% to $85,000
- •EI at 1.63%, to $68,900 of insurable earnings
Canada take-home pay, answered
Which provinces are covered?
Ontario, British Columbia and Alberta have their own brackets modelled. Other provinces and Quebec are not included yet. Pick "Other" and the result shows federal tax plus CPP and EI only, which understates your total deductions.
Are RRSP contributions included?
No. Income tax is computed on gross employment income net of the basic personal amount. RRSP deductions and the CPP/CPP2 tax credit and deduction are not modelled, which slightly overstates the tax you pay.
What about the Ontario surtax and health premium?
Neither is modelled, and nor is the federal basic-personal-amount phase-out above roughly $181,440. If you are near those thresholds, treat this as a floor rather than a precise figure.
Which tax year does this use?
2026, using federal and provincial brackets plus the CRA's 2026 CPP, CPP2 and EI figures. Sources are linked directly under the result.
Other countries
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