Canadian Take-Home Pay Calculator
Calculate your net pay after all deductions: federal tax, provincial tax, CPP contributions, EI premiums, RRSP contributions, and student loan payments. Breakdowns by annual, monthly, bi-weekly, weekly and hourly.
Pay Details
Take-Home Pay
Annual
$56,366
Monthly
$4,697
Bi-weekly
$2,168
Weekly
$1,084
Hourly
$27
Tax Rates
Combined Effective Rate
25.0%
Combined Marginal Rate
30.0%
Federal Marginal Rate
20.5%
Provincial Marginal Rate
9.2%
Expecting a bonus?
See how much tax is deducted from a bonus on top of your salary
Received a severance?
Calculate tax on severance and check RRSP rollover eligibility
Want per-paycheque detail? Try our Payroll Deductions Calculator →
What's Deducted from Your Paycheque?
- Federal Income Tax — Progressive brackets, BPA credit reduces the first ~$16,452 tax-free.
- Provincial Income Tax — Each province has its own rates and BPA.
- CPP — Canada Pension Plan at 5.95% on earnings between $3,500 and $74,600 (2026), plus CPP2 at 4% on earnings up to $85,000.
- EI — Employment Insurance at 1.63% on up to $68,900 of insurable earnings (2026). Quebec uses 1.30%.
- RRSP — Optional; contributions reduce your taxable income.
All of these deductions appear on your year-end T4 slip — see our box-by-box T4 explainer for what each Box 14 / 16 / 18 / 22 / 44 figure represents.
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Frequently asked questions
What is deducted from my paycheque in Canada?
Your Canadian paycheque has four mandatory deductions: federal income tax, provincial income tax, Canada Pension Plan (CPP) at 5.95%, and Employment Insurance (EI) at 1.63%. Optional deductions like RRSP contributions further reduce taxable income.
How much CPP and EI do I pay in 2026?
For 2026, CPP is 5.95% on earnings between $3,500 and $74,600 (YMPE), plus CPP2 at 4% on earnings between $74,600 and $85,000 (YAMPE). EI is 1.63% on insurable earnings up to $68,900. Quebec residents pay 1.30% EI due to QPIP.
How do RRSP contributions affect my take-home pay?
RRSP contributions reduce your taxable income dollar-for-dollar, which lowers both federal and provincial income tax. The net cost of an RRSP contribution is therefore the contribution minus the marginal-rate refund — for someone in a 30% marginal bracket, $1,000 contributed costs only $700 of take-home.
Sources
Last updated April 2026. Reflects 2026 tax year rates.