Canada Take-Home Pay Study 2026: Every Province, $30k to $250k
2026 take-home pay for all 13 provinces and territories at 23 incomes from $30k to $250k: tax, CPP/QPP, EI split, sortable table and free CSV.
Key findings
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1. At $100,000, where you live is worth $7,787 a year.
Nunavut leaves $76,654 and Nova Scotia $68,867 on the same gross salary. The gap grows from $1,124 at $30,000 to $22,965 at $250,000.
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2. Among the ten provinces, the leader changes with income.
The highest take-home pay belongs to British Columbia from $30,000 to $140,000 and Alberta from $150,000 to $250,000. The lowest belongs to Nova Scotia from $30,000 to $140,000 and Quebec from $150,000 to $250,000.
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3. Counting the territories, Nunavut leads from $40,000 up.
Across all 13 jurisdictions the top spot goes to British Columbia at $30,000 and Nunavut from $40,000 to $250,000. The figures are before the northern residents deduction, which would widen the territories' lead for anyone who qualifies.
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4. Deductions reach 30% of pay at $84,600 in Nova Scotia.
Federal and provincial tax, CPP/QPP and EI together first take 30% of gross pay at $84,600 in Nova Scotia, but not until $217,600 in Nunavut.
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5. On a $1,000 raise, workers keep between 49.7¢ and 79.5¢ of each dollar.
The most is kept in Ontario at $30,000 (79.5%); the least in Nova Scotia at $230,000 (49.7%), where the combined marginal tax rate is 50.3%.
The full table
Annual figures for 2026. Pick an income to compare all 13 jurisdictions, or a province to see every income from $30,000 to $250,000. Click a column to sort. "Kept of a raise" is the share of the next $1,000 of salary that reaches your pay.
| Nunavut#1 | $76,654 | $6,388 | $13,302 | $4,275 | $4,646 | $1,123 | 23.4% | 72.5% |
|---|---|---|---|---|---|---|---|---|
| British Columbia#2 | $75,373 | $6,281 | $13,302 | $5,556 | $4,646 | $1,123 | 24.6% | 71.8% |
| Northwest Territories#3 | $75,204 | $6,267 | $13,302 | $5,724 | $4,646 | $1,123 | 24.8% | 70.9% |
| Yukon#4 | $74,998 | $6,250 | $13,302 | $5,931 | $4,646 | $1,123 | 25.0% | 70.5% |
| Alberta#5 | $74,459 | $6,205 | $13,302 | $6,470 | $4,646 | $1,123 | 25.5% | 69.5% |
| Ontario#6 | $74,206 | $6,184 | $13,302 | $6,723 | $4,646 | $1,123 | 25.8% | 68.5% |
| Saskatchewan#7 | $72,288 | $6,024 | $13,302 | $8,641 | $4,646 | $1,123 | 27.7% | 67.0% |
| Manitoba#8 | $71,445 | $5,954 | $13,302 | $9,484 | $4,646 | $1,123 | 28.6% | 66.8% |
| New Brunswick#9 | $71,215 | $5,935 | $13,302 | $9,714 | $4,646 | $1,123 | 28.8% | 65.5% |
| Newfoundland and Labrador#10 | $70,603 | $5,884 | $13,302 | $10,326 | $4,646 | $1,123 | 29.4% | 63.7% |
| Prince Edward Island#11 | $69,789 | $5,816 | $13,302 | $11,140 | $4,646 | $1,123 | 30.2% | 62.9% |
| Quebec#12 | $69,585 | $5,799 | $11,054 | $13,140 | $4,895 | $1,326 | 30.4% | 63.5% |
| Nova Scotia#13 | $68,867 | $5,739 | $13,302 | $12,062 | $4,646 | $1,123 | 31.1% | 62.0% |
Income where deductions first take 30% of pay
| Province or territory | Gross income |
|---|---|
| Nova Scotia | $84,600 |
| Quebec | $93,700 |
| Prince Edward Island | $97,100 |
| Newfoundland and Labrador | $109,600 |
| Manitoba | $118,700 |
| New Brunswick | $119,500 |
| Saskatchewan | $138,700 |
| Ontario | $145,000 |
| British Columbia | $172,300 |
| Northwest Territories | $177,900 |
| Alberta | $182,100 |
| Yukon | $187,900 |
| Nunavut | $217,600 |
Solved to the nearest $100 of gross income with the same engine as the table.
Methodology
Every row is one run of the take-home pay engine behind this site's Take-Home Pay Calculator, for the 2026 tax year: a single employee resident in the province on December 31, with only employment income, no dependants, no RRSP contribution and no other deductions. Nothing is typed in by hand, and the table, the findings and the CSV come from the same build.
Federal tax applies the 2026 federal brackets, the basic personal amount, the Canada employment amount, the CPP/QPP and EI credits and the enhanced CPP/QPP deduction; Quebec federal tax is reduced by the 16.5% Quebec abatement. Provincial and territorial tax applies each jurisdiction's brackets, basic personal amount, surtaxes and low-income tax reductions, and includes the Ontario Health Premium. CPP covers both tiers (CPP1 and CPP2); Quebec uses QPP, the Quebec EI rate and QPIP.
Incomes run every $10,000 from $30,000 to $250,000. "Deductions" is total tax plus payroll contributions divided by gross income. "Kept of a raise" compares take-home pay at the row's income with take-home pay $1,000 higher. Rank 1 is the highest take-home of the 13 at that income.
Left out: sales tax, refundable credits and benefits (GST/HST credit, Canada Child Benefit, Canada Workers Benefit, provincial benefits), the northern residents deduction, and the cost of living. Payroll withholding during the year can differ from these annual figures; the annual return settles the difference.
CSV columns: tax_year, province_code, province, gross_income, federal_tax, provincial_tax, cpp_or_qpp, ei, qpip, total_deductions, take_home_annual, take_home_monthly, deduction_rate, combined_marginal_tax_rate, raise_kept_share, rank_at_income. Money is in Canadian dollars to the cent; rates are decimals.
Cite this study
Free to reuse under CC BY 4.0. Please credit and link the study so readers get the updated figures:
Source: catax.tools, "Canada Take-Home Pay Study 2026", https://catax.tools/research/canada-take-home-pay-study/
Source: <a href="https://catax.tools/research/canada-take-home-pay-study/">catax.tools Canada Take-Home Pay Study 2026</a>
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