Canada take home pay calculator 2026: pay after tax

Enter a salary and a province to see the pay left every two weeks after income tax, CPP or QPP and EI, with an RRSP contribution taken off before tax if you make one.

Your pay before tax and deductions for the period you choose.

Where you lived on 31 December. Provincial tax and, for Quebec, QPP and QPIP follow it.

A percent of your pay, or an amount each pay period. It is deducted from income, so it lowers income tax but not CPP or EI.

More options

Your own contributions to a registered pension plan at work. They are deducted from income like an RRSP.

Deducted from income for federal tax, and for provincial tax outside Quebec.

Show pay per

Take home pay

CA$ 2,189.45

You keep 75.90%.

Income tax every two weeks
CA$ 488.64
Marginal rate with contributions
32.46%
Take home pay a year
CA$ 56,925.82
Income tax a year
CA$ 12,704.66
Employer cost a year
CA$ 80,818.75
Breakdown
ItemEvery two weeksA year
Gross payCA$ 2,884.62CA$ 75,000.00
Federal income taxCA$ 439.31CA$ 11,421.97
Federal tax credits-CA$ 121.67-CA$ 3,163.37
Ontario income taxCA$ 176.40CA$ 4,586.45
Ontario tax credits-CA$ 34.25-CA$ 890.39
Ontario Health PremiumCA$ 28.85CA$ 750.00
CPPCA$ 162.71CA$ 4,230.45
CPP2CA$ 0.62CA$ 16.00
EICA$ 43.20CA$ 1,123.07
Total deductionsCA$ 695.17CA$ 18,074.18
Take home payCA$ 2,189.45CA$ 56,925.82
What the employer pays on top
ItemEvery two weeksA year
Employer CPPCA$ 162.71CA$ 4,230.45
Employer CPP2CA$ 0.62CA$ 16.00
Employer EICA$ 60.47CA$ 1,572.30
How we calculate

Marginal rate 32.46%, effective rate 24.10%.

Read the method in full

How the tax is worked out
StepAmount
PayCA$ 75,000.00
Less the additional CPP and CPP2CA$ 727.00
Taxable incomeCA$ 74,273.00
Federal tax on the bracketsCA$ 11,421.97
Less federal creditsCA$ 3,163.37
Federal income taxCA$ 8,258.60
Ontario tax on the bracketsCA$ 4,586.45
Less Ontario creditsCA$ 890.39
Add the Ontario Health PremiumCA$ 750.00
Ontario income taxCA$ 4,446.06

A year, with the CRA payroll method.

What this does not include

  • Works out tax on a full year of employment income from one job with the CRA payroll method (the Revenu Quebec method for Quebec income tax). The tax on your return can differ.
  • The credits included are the basic personal amount, the Canada employment amount and the credits for CPP, EI and QPIP contributions. Credits for dependents, tuition, medical expenses, donations and other items are not included.
  • For Ontario the LIFT credit, which is claimed on the return, is shown as its own line. The LIFT credit and the Ontario tax reduction are worked out for a single person with no dependents. Low income reductions of other provinces and the Canada Workers Benefit are not included.
  • Quebec is shown as payroll deductions: QPP, QPIP, EI at the Quebec rate, the federal abatement, the Quebec brackets and the deduction for workers. The Quebec return items, such as the health contribution and low income credits, are not included.
  • British Columbia, Newfoundland and Labrador and Prince Edward Island changed their figures in July 2026. The year here uses the annual 2026 figures, so payslips from either half of the year can show different tax.
  • CPP, CPP2, EI and QPIP are worked out on the whole year of pay from one employer.
  • An RRSP or workplace pension contribution lowers taxable income only, not CPP, EI or QPIP. Your RRSP deduction limit depends on last year's earned income and any unused room.
  • Union dues lower taxable income for federal tax and, outside Quebec, for provincial tax. Their Quebec treatment is not included.
  • Self employment income, other income and a move between provinces during the year are not included.

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For information only, not financial, tax or legal advice.

Last updated . Method checked . Rates checked 3 November 2026. Methodology

This calculator works out what a Canadian employee keeps from a salary in 2026, after federal and provincial income tax, CPP and CPP2 and EI, or QPP, QPIP and EI in Quebec. It applies the CRA payroll method to a full year of pay and shows the result every two weeks, each month, each week or for the year. An RRSP contribution, entered as a percent of pay or an amount each pay, comes off before income tax, so it lowers the tax but not CPP or EI. On a salary of CA$ 75,000 in Ontario with 5% going to an RRSP, take home pay is CA$ 2,093.76 every two weeks and CA$ 54,437.70 for the year. Everything you type stays in this browser tab.

How to use the Canada Take Home Pay Calculator

  1. Type your salary before tax and choose whether it is the pay for a year, a month, two weeks or a week.
  2. Pick your province or territory. Tip: Quebec swaps CPP for QPP and adds QPIP, so its lines differ from every other province.
  3. Add an RRSP contribution as a percent of pay or as an amount each pay, if you make one. Tip: The RRSP lowers income tax only, and CPP and EI are still worked out on the whole salary.
  4. Open More options for a workplace pension plan contribution or union dues.
  5. Read the take home pay every two weeks at the top, or switch to Month, Week or Year, then open How we calculate for the tax steps.

Worked example

An employee in Ontario is paid a salary of CA$ 75,000 for 2026 and puts 5% of pay into an RRSP through payroll, with no pension plan or union dues. All figures are in Canadian dollars (CAD).

InputValue
Salary before taxCA$ 75,000 a year
Province or territoryOntario
RRSP contribution5% of pay
 
CPP = 4,230.45 (the maximum), CPP2 = 4% x (75,000 - 74,600) = 16, EI = 1,123.07 (the maximum)
RRSP = 5% x 75,000 = 3,750
Taxable income = 75,000 - 3,750 - 711 additional CPP - 16 CPP2 = 70,523
Federal tax = 14% x 58,523 + 20.5% x 12,000 - 14% x 22,595.52 of credit amounts = 7,489.85
Ontario tax = 5.05% x 53,891 + 9.15% x 16,632 - 5.05% x 17,631.52 = 3,352.93, plus the health premium of 600 = 3,952.93
Take home = 75,000 - 7,489.85 - 3,952.93 - 4,230.45 - 16 - 1,123.07 - 3,750 = 54,437.70 a year, and 54,437.70 / 26 = 2,093.76 every two weeks
Take home pay every two weeks
CA$ 2,093.76
Take home pay a year
CA$ 54,437.70
Income tax a year
CA$ 11,442.78
CPP, CPP2 and EI a year
CA$ 5,369.52
RRSP contribution a year
CA$ 3,750.00
Marginal rate with contributions
30.98%

Rates, credits and maximums from the 2026 rates files, checked on 3 November 2026 against the CRA payroll formulas (T4127) and the CRA limits page.

How it is calculated

Yearly pay = pay entered x pay periods in a year
CPP = 5.95% x (pay - 3,500) up to 4,230.45; CPP2 = 4% of pay between 74,600 and 85,000; EI = 1.63% x pay up to 1,123.07
Income tax = federal tax + provincial tax on taxable income, each less its credits
Take home = pay - income tax - CPP - CPP2 - EI - RRSP - pension - union dues

The calculator turns the pay you enter into a yearly salary, because the brackets, credits and contribution maximums are all yearly, and then divides the result back into 26 pays, 12 months or 52 weeks. Each period is the yearly figure divided evenly, so it is an average across the year rather than one particular pay stub.

Three payroll contributions come out alongside income tax. CPP is 5.95% of pay above a CA$ 3,500 exemption up to CA$ 74,600, CPP2 is 4% of pay from CA$ 74,600 to CA$ 85,000, and EI is 1.63% of pay up to CA$ 68,900. In Quebec, QPP at 6.3%, QPIP and EI at 1.3% take their place. The employer pays the same CPP and 1.4 times the EI, shown as employer cost, not taken from your pay.

Income tax is worked out on taxable income, which is the salary less the RRSP, any workplace pension contribution, union dues, the additional 1% of CPP and all of CPP2. Federal and provincial brackets apply to it separately, each less credits at its lowest rate for the basic personal amount and base CPP and EI, and the province adds any surtax, premium or reduction of its own.

In the worked example CA$ 75,000 in Ontario with a 5% RRSP has taxable income of CA$ 70,523. Federal tax is CA$ 7,489.85 and Ontario tax CA$ 3,952.93 with the health premium, CPP, CPP2 and EI reach CA$ 5,369.52, and CA$ 3,750 goes to the RRSP. What is left is CA$ 54,437.70, or CA$ 2,093.76 over 26 pays. Without the RRSP the take home would be CA$ 56,925.82: the contribution costs CA$ 2,488.12 of take home pay to put CA$ 3,750 aside.

The headline is the take home pay every two weeks, and the switch above it shows the same year a month, a week or in total. A percent RRSP follows the pay, while an amount is taken from each pay in the period you chose for the salary.

Frequently asked questions

How much is take home pay on 75,000 in Ontario?

With no RRSP, a CA$ 75,000 salary in Ontario loses CA$ 12,704.66 to federal and Ontario income tax and CA$ 5,369.52 to CPP, CPP2 and EI, leaving CA$ 56,925.82 a year. That is CA$ 2,189.45 every two weeks or CA$ 4,743.82 a month. The worked example adds a 5% RRSP contribution, which lowers the income tax by CA$ 1,261.88.

Why does my pay go up later in the year?

CPP, CPP2 and EI stop once their yearly maximums are reached: CA$ 4,230.45 of CPP, CA$ 416 of CPP2 and CA$ 1,123.07 of EI in 2026. A higher earner reaches them before December, so the last pays of the year are larger, and the deductions start again in January. The calculator shows the yearly average, which spreads the contributions evenly.

Does an RRSP contribution lower CPP and EI?

No. An RRSP or workplace pension contribution is deducted from income for federal and provincial tax only, while CPP and EI are worked out on the full salary. In the worked example the 5% RRSP contribution of CA$ 3,750 costs CA$ 2,488.12 of take home pay, because income tax falls by CA$ 1,261.88. New RRSP room each year is 18% of last year's earned income, up to CA$ 33,810.

What is the difference between CPP and CPP2?

CPP is 5.95% of pay between CA$ 3,500 and the first ceiling of CA$ 74,600. CPP2 is a second contribution of 4% on pay between that ceiling and CA$ 85,000. The base part of CPP earns a tax credit, while the additional part and all of CPP2 are deducted from income. Employers pay the same amounts again, which the calculator adds into the employer cost.

How are QPP and QPIP different in Quebec?

A Quebec employee pays QPP at 6.3% instead of CPP, QPIP of 0.43% on pay up to CA$ 103,000 for parental benefits, and EI at the lower Quebec rate of 1.3%. On CA$ 60,000 that is CA$ 3,559.50 of QPP, CA$ 258 of QPIP and CA$ 780 of EI. Quebec income tax and the federal abatement are worked out as payroll deductions.

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