Use this free calculator to estimate your net (take-home) pay after federal and provincial income tax, Canada Pension Plan (CPP) contributions, and Employment Insurance (EI) premiums are deducted. Select your province or territory to apply the correct provincial tax rates alongside the federal rates.
Tax brackets are based on 2025 rates used as a 2026 estimate. Results are approximations and do not account for RRSP deductions, other credits, or additional withholdings. For precise figures, consult a tax professional or use the CRA payroll deductions calculator.
Your gross salary is run through the federal and provincial marginal tax brackets. The basic personal amount — a non-refundable tax credit available to every Canadian — is applied to reduce your tax bill. CPP and EI deductions are then calculated using the 2026 contribution limits set by the Canadian federal government. The result is your estimated annual net pay and a per-pay-period breakdown based on your selected pay frequency.
Canada uses a progressive (marginal) tax system — you only pay the higher rate on income above each threshold, not on your entire salary. The 2026 federal brackets are:
The federal basic personal amount for 2026 is $16,129. This means the first $16,129 of your income is effectively tax-free at the federal level.
Each province and territory levies its own income tax on top of the federal amount. Rates vary significantly — Alberta's lowest bracket starts at 10% while Quebec's top rate reaches 25.75%. This calculator covers all 13 provinces and territories. Your combined (federal + provincial) effective tax rate depends on both where you live and how much you earn.
The Canada Pension Plan (CPP) has two contribution tiers for 2026:
CPP deductions stop once you hit the annual maximum — typically mid-year for higher earners. When they stop, your net pay increases for the remaining pay periods. Use our CPP & EI max-out calculator to find out exactly when that happens for your salary.
Employment Insurance (EI) premiums for 2026 are 1.66% of insurable earnings up to $68,900, for a maximum annual premium of $1,143.74. Like CPP, EI deductions stop once you reach the maximum insurable earnings threshold for the year.
Registered Retirement Savings Plan (RRSP) contributions reduce your taxable income dollar-for-dollar, which lowers your income tax withholding. This calculator does not include RRSP deductions. To estimate the impact, subtract your annual RRSP contribution from your gross salary before entering it into the calculator — this gives a rough approximation of your tax position after RRSP savings.
Quebec residents contribute to the Quebec Pension Plan (QPP) instead of CPP, and pay Quebec Parental Insurance Plan (QPIP) premiums in addition to regular EI. Both programs have different rates and maximums than their federal counterparts. This calculator uses federal CPP and EI rates as an approximation for Quebec — consult Revenu Québec for precise QPP and QPIP figures.
Once your CPP and EI contributions reach their annual maximums, those deductions simply stop for the remainder of the calendar year. For someone earning $100,000 on a bi-weekly schedule, this can mean an extra few hundred dollars per paycheque for several months. The exact date depends on your salary and pay frequency — use our CPP & EI max-out calculator to find your date.
How is Canadian take-home pay calculated? Your gross salary is taxed at federal and provincial marginal rates after applying the basic personal amount. CPP and EI premiums are then deducted to arrive at your estimated net pay.
Which province has the lowest income tax? Alberta has the lowest provincial income tax, with a flat 10% on the first $148,269. Nunavut and the Northwest Territories also have relatively low rates. Quebec has the highest top rate at 25.75%.
Does my RRSP contribution affect my take-home pay? Yes — RRSP contributions reduce your taxable income, which lowers the income tax withheld from your paycheques. This calculator does not model RRSP deductions.
Why does my per-cheque CPP look different from this calculator? This calculator shows CPP and EI as annual averages. In practice your per-cheque deduction is higher early in the year and then stops once you hit the annual maximum.
Are CPP and EI the same in all provinces? CPP and EI rates are federal and apply in all provinces except Quebec, which uses QPP instead of CPP and adds QPIP premiums.
What other deductions reduce my take-home pay? Beyond income tax, CPP, and EI, your employer may deduct group benefits premiums, pension plan contributions, union dues, and other amounts. These vary by employer and are not included in this estimate.