Canadian Take-Home Pay Calculator

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.

For 2026, CPP is 5.9% on earnings between $3,500 and $74,600 (YMPE), plus CPP2 at 4.0% on earnings between $74,600 and $85,000 (YAMPE). EI is 1.6% on insurable earnings up to $68,900. Quebec residents pay 1.3% EI due to QPIP.

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.

Gross pay is your salary before any deductions. Take-home (net) pay is what actually lands in your bank account after federal tax, provincial tax, CPP/CPP2, and EI are withheld — plus any voluntary deductions like RRSP, pension, or benefits. Across the provinces, total mandatory deductions typically run from about 20% of gross on a $50,000 salary to about 39% on $300,000.

Canada uses progressive brackets, so only the income inside each band is taxed at that band's rate — not your whole salary. Your top bracket is the marginal rate (the tax on your next dollar); the effective (average) rate is total tax ÷ total income, which is always lower. The Basic Personal Amount ($16,452 federally in 2026) also shelters the first slice of income entirely.

On a $80,000 salary in 2026, Nunavut, Northwest Territories, British Columbia and Yukon leave the most in your pocket, and Nova Scotia the least. The order shifts with income, so use the province selector above to compare your exact salary side by side. Quebec residents also get a 16.5% federal abatement and pay QPP and QPIP instead of CPP and the full EI rate.

Yes — the annual tax, CPP and EI are the same for a given annual income. The calculator simply divides the annual net figure into monthly, bi-weekly, weekly, and hourly amounts (assuming a 40-hour week, 52 weeks) so you can match it to your pay cycle.

A bonus is taxed as ordinary income, but payroll often withholds more tax up front using the bonus (lump-sum) method, so the deduction looks larger on that cheque. The extra is reconciled when you file. To see the exact withholding on a bonus, use the bonus tax calculator.