How is take-home pay calculated in Canada?

Employers annualize your gross pay (per-period × pay periods), subtract CPP/CPP2 and EI, then calculate federal and provincial income tax using 2026 brackets minus basic personal amount credits. The result is divided by pay periods for per-check withholding. This calculator follows that PDOC-style method.

What are CPP, CPP2 and EI in 2026?

CPP: 5.95% on pensionable earnings above $3,500 up to $74,600 YMPE (max $4,230.45). CPP2: 4% on earnings $74,600–$85,000 (max $416). EI: 1.63% on insurable earnings up to $68,900 (max $1,123.07). Quebec uses QPP/QPIP and a reduced EI rate of 1.30%.

How is bi-weekly pay calculated?

Annual gross is divided by 26 pay periods. Each period, CPP/EI are withheld (respecting annual maximums), and income tax is roughly 1/26 of estimated annual tax. Actual employer rounding may differ slightly.

How much will my paycheck be after taxes?

Enter your gross salary, province, and pay frequency above. A $75,000 Ontario salary bi-weekly typically yields roughly $2,100–$2,300 net per pay after CPP, EI, and income tax — use the calculator for your exact inputs.

When do CPP and EI deductions stop?

CPP and EI stop once you reach the annual maximum contribution in a calendar year. For 2026, CPP maxes at $4,230.45 (+ up to $416 CPP2), EI at $1,123.07 (outside Quebec). Enter YTD gross in advanced options for mid-year accuracy.

Is this the official CRA PDOC calculator?

No. This is an independent estimate using 2026 published rates. For official payroll deductions, use the CRA's Payroll Deductions Online Calculator (PDOC) at canada.ca.

Is my salary sent to a server?

No. All calculations run locally in your browser. Your income never leaves your device — important for sensitive salary data.

Everyday

Canada Paycheck Calculator 2026

Free Canada take-home pay calculator — estimate net pay after CPP, CPP2, EI, federal and provincial tax for all 13 provinces. Bi-weekly, weekly, monthly. 100% private.

100% client-side — your data never leaves this tab

100% client-side — your salary never leaves this tab

Income entered asGross salary (CAD/year)Pay frequencyProvince / territory

Take-home pay

Take-home (bi-weekly): $2,274.95
Gross per pay period: $2,884.62
Annual take-home: $59,148.98
Annual gross: $75,000.00
Effective tax rate: 21.13%
Marginal tax rate (fed + prov): 23.15%

Annual deductions

CPP (annual)

$4,246.45

Including CPP2

$16.00

EI (annual)

$1,123.07

Federal tax (annual)

$7,444.99

Provincial tax (annual)

$3,036.51

Take-home78.9%
Federal tax9.9%
Provincial tax4.0%
CPP5.7%
EI1.5%

Per-paycheck breakdown

Gross pay$2,884.62

CPP$162.71

CPP2$0.62

EI$43.20

Federal tax$286.35

Provincial tax$116.79

Net take-home pay$2,274.95

Estimate only — not financial or tax advice

This is an independent estimate for informational purposes only, not financial or tax advice. Actual payroll deductions are determined by the CRA and your employer using official withholding tables. For official calculations, use the CRA's Payroll Deductions Online Calculator (PDOC). Rates current for 2026.

Calculations happen in your browser — your salary never leaves your device.

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What is Canada Paycheck Calculator 2026?

Canada Paycheck Calculator (2026) estimates your take-home pay after federal tax, provincial tax, CPP, CPP2, and EI — the same building blocks employers use with CRA payroll tables and PDOC (Payroll Deductions Online Calculator). Enter annual salary or gross per pay period, pick weekly, bi-weekly, semi-monthly, or monthly frequency, and select any of Canada's 13 provinces or territories. See net pay per paycheck, annual net, effective and marginal tax rates, and a visual breakdown of where your money goes. Quebec uses a separate QPP/QPIP path. 100% client-side — your salary never leaves your browser.

Salary calculations happen entirely in your browser. Your income is never uploaded, stored, or transmitted.

How to use Canada Paycheck Calculator 2026

1Enter gross salary as annual income or gross per pay period.
2Select pay frequency: weekly (52), bi-weekly (26), semi-monthly (24), or monthly (12).
3Choose your province or territory — all 13 are supported including Quebec.
4Review CPP/CPP2, EI, federal and provincial tax, then net take-home per period and annually.
5Optional: add annual RRSP pre-tax deductions or YTD gross for mid-year CPP/EI ceiling accuracy.
6Toggle employer cost to see employer CPP match and 1.4× EI contribution estimate.

Examples

$75,000 Ontario, bi-weekly

Bi-weekly is the most common pay schedule in Canada.

Gross $2,884.62/pay → CPP ~$4,230 max, EI ~$1,123 max, plus ON provincial tax

$90,000 Ontario, bi-weekly (CPP2 applies)

CPP2 adds up to $416/yr on earnings between $74,600 and $85,000 YAMPE

$60,000 Alberta, monthly

Lower Alberta provincial rates vs Ontario or BC — higher net take-home

Tips & common mistakes

This tool annualizes your gross, applies 2026 brackets and basic personal amounts, then divides by pay periods — the same PDOC-style approach employers use.
CPP maxes at $4,230.45 in 2026; CPP2 (4%) applies only between YMPE $74,600 and YAMPE $85,000.
EI has no basic exemption — it applies from the first dollar up to $68,900 insurable earnings ($1,123.07 max outside QC).
Federal lowest bracket is 14% on the first $58,523 in 2026.
For official withholding, use the CRA's PDOC — this is an independent estimate.

Who uses this tool?

Answering 'how much will my paycheck be' when starting a new job in Canada.
Comparing take-home pay across provinces for a relocation or remote work decision.
Budgeting bi-weekly expenses from gross salary.
Understanding when CPP and EI deductions stop (annual maximums).
Estimating employer payroll cost including CPP match and EI.

Frequently asked questions

How is take-home pay calculated in Canada?: Employers annualize your gross pay (per-period × pay periods), subtract CPP/CPP2 and EI, then calculate federal and provincial income tax using 2026 brackets minus basic personal amount credits. The result is divided by pay periods for per-check withholding. This calculator follows that PDOC-style method.
What are CPP, CPP2 and EI in 2026?: CPP: 5.95% on pensionable earnings above $3,500 up to $74,600 YMPE (max $4,230.45). CPP2: 4% on earnings $74,600–$85,000 (max $416). EI: 1.63% on insurable earnings up to $68,900 (max $1,123.07). Quebec uses QPP/QPIP and a reduced EI rate of 1.30%.
How is bi-weekly pay calculated?: Annual gross is divided by 26 pay periods. Each period, CPP/EI are withheld (respecting annual maximums), and income tax is roughly 1/26 of estimated annual tax. Actual employer rounding may differ slightly.
How much will my paycheck be after taxes?: Enter your gross salary, province, and pay frequency above. A $75,000 Ontario salary bi-weekly typically yields roughly $2,100–$2,300 net per pay after CPP, EI, and income tax — use the calculator for your exact inputs.
When do CPP and EI deductions stop?: CPP and EI stop once you reach the annual maximum contribution in a calendar year. For 2026, CPP maxes at $4,230.45 (+ up to $416 CPP2), EI at $1,123.07 (outside Quebec). Enter YTD gross in advanced options for mid-year accuracy.
Is this the official CRA PDOC calculator?: No. This is an independent estimate using 2026 published rates. For official payroll deductions, use the CRA's Payroll Deductions Online Calculator (PDOC) at canada.ca.
Is my salary sent to a server?: No. All calculations run locally in your browser. Your income never leaves your device — important for sensitive salary data.