Canada take-home pay calculator for 2026, province by province
This take-home pay calculator for Canada shows what lands in your account after federal and provincial income tax, Canada Pension Plan (CPP and the new CPP2), Employment Insurance and, in Ontario, the Ontario Health Premium. Enter a yearly salary, a paycheque amount or an hourly wage, choose your province or territory and how often you are paid, and you get the net pay per paycheque and per year with every deduction listed.
It uses the Canada Revenue Agency’s T4127 Payroll Deductions Formulas for 2026 — the same formulas payroll software follows — with full-year rates for the mid-year changes in British Columbia, Newfoundland and Labrador and Prince Edward Island. It runs entirely in your browser. Results are estimates for planning and comparing offers, not tax advice.
How to use the Canada Take-Home Pay Calculator
- Type your pay and choose a year, a paycheque or an hour (with hours a week).
- Pick your province or territory and pay frequency.
- Add any RRSP or pension contributions, union dues and other deductions taken from each paycheque.
- In Ontario, enter dependants under 19; in Quebec, enter an estimated provincial tax rate.
- Read the take-home pay, then the breakdown and the notes on CPP and EI maximums.
Canada Take-Home Pay Calculator features
Every province and territory
Brackets, basic personal amounts and special rules from T4127 for all 12 jurisdictions outside Quebec.
Ontario in full
Surtax, the Ontario tax reduction with dependants, and the Ontario Health Premium.
CPP2 and EI caps
Second-tier CPP on pay between $74,600 and $85,000, and EI up to $68,900 of insurable earnings.
Quebec handled honestly
QPP, QPIP, the lower Quebec EI rate and the 16.5% federal abatement — and a clear prompt for the provincial tax this tool does not compute.
Per paycheque or per year
Weekly, biweekly, semi-monthly or monthly, plus a copyable summary.
How the calculation works
CPP is 5.95% of pay above the $3,500 basic exemption, up to $74,600 (maximum $4,230.45); CPP2 is 4% of pay between $74,600 and $85,000 (maximum $416). EI is 1.63% of pay up to $68,900 (maximum $1,123.07). The “enhanced” part of CPP (1% of the 5.95%, plus all of CPP2) is deducted from income; the base part earns a tax credit.
Federal tax uses the 2026 brackets — 14% to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above — less 14% credits on the basic personal amount ($16,452, reduced to $14,829 at high incomes), base CPP, EI and the $1,501 Canada employment amount. Provincial tax works the same way with each province’s brackets and basic amount.
Worked example: $75,000 a year in Ontario. CPP $4,230.45, CPP2 $16, EI $1,123.07. Taxable income is $74,273; federal tax $8,258.60; Ontario tax $3,696.06 plus a $750 Health Premium. Take-home pay is about $56,926 a year, or $2,189.45 every two weeks.
Lowest provincial rates and basic amounts (2026)
| Province / territory | Lowest rate | Basic personal amount |
|---|---|---|
| Alberta | 8% (to $61,200) | $22,769 |
| British Columbia | 5.60% | $13,216 |
| Manitoba | 10.8% | $15,780 |
| New Brunswick · Nova Scotia | 9.4% · 8.79% | $13,664 · $11,932 |
| Newfoundland and Labrador | 8.7% | $13,094 |
| Ontario | 5.05% (+ surtax, Health Premium) | $12,989 |
| Prince Edward Island | 9.5% (20% over $200,000) | $15,000 |
| Saskatchewan | 10.5% | $20,381 |
| Yukon · NWT · Nunavut | 6.4% · 5.9% · 4% | federal amount · $18,198 · $19,659 |
What is not included
- Quebec provincial income tax (Revenu Québec’s TP-1015.F formulas) — enter a rate.
- Tax credits claimed only on your return: tuition, medical expenses, donations, the Canada Workers Benefit and provincial low-income reductions outside Ontario and British Columbia.
- Taxable benefits, bonuses and commission paid separately, and the timing effect of CPP and EI maximums within the year.
Canada Take-Home Pay Calculator FAQ
How much is $75,000 a year after tax in Ontario?
About $56,926 a year, or $2,189 every two weeks, in 2026 after federal and Ontario tax, the Ontario Health Premium, CPP, CPP2 and EI. Use this take-home pay calculator for your own salary and deductions.
What are the 2026 CPP and EI maximums?
CPP: 5.95% up to $74,600, maximum $4,230.45, plus CPP2 of 4% up to $85,000 (maximum $416). EI: 1.63% up to $68,900, maximum $1,123.07 (Quebec 1.30%, maximum $895.70).
Why is my paycheque bigger in the autumn?
Once you reach the yearly CPP, CPP2 and EI maximums, those deductions stop until January. This calculator spreads the yearly amounts evenly, so it shows the average paycheque.
Does an RRSP through payroll increase take-home pay?
It lowers the income tax taken from each paycheque, because payroll can reduce tax at source for RRSP or pension contributions. CPP and EI are not reduced.
Is this a tax calculator for Ontario?
Yes. Choose Ontario to see federal and Ontario tax, the surtax, the low-income tax reduction and the Ontario Health Premium on 2026 rates.
Is my money converted or sent anywhere?
No. Everything is calculated in your browser. To compare with a US salary, convert first with the currency converter, then try the US paycheck calculator.