What is taken off a Canadian paycheck?

Typical deductions include CPP (Canada Pension Plan), EI (Employment Insurance), federal income tax, and provincial/territorial income tax. Quebec replaces CPP/EI with QPP and QPIP.

What are 2026 CPP and EI maximums?

CPP employee max is $4,230.45 (5.95% on pensionable earnings up to $74,600 minus $3,500 exemption). CPP2 adds up to $416. EI employee max is $1,123.07 on earnings up to $68,900 (outside QC).

Take-home pay on $100,000 in Ontario?

Roughly $70,000–$75,000 net annually depending on credits and exact withholding — use this calculator with Ontario selected for a closer estimate.

How is Quebec different?

Quebec administers QPP instead of CPP and QPIP instead of EI, with different rates. This tool provides a simplified Quebec estimate — use Revenu Québec tools for precision.

Is my salary sent to a server?

No. All math runs locally in your browser. Your income never leaves your device.

Everyday

Canada Take-Home Pay Calculator

Estimate net pay after CPP, EI, federal and provincial tax for all provinces — client-side only.

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

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

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

Take-home pay

Take-home (bi-weekly): $2,274.96
Annual take-home: $59,148.98
CPP (annual): $4,246.45
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$163.32

EI$43.20

Federal tax$286.35

Provincial tax$116.79

Net take-home pay$2,274.96

Estimate only — not tax or financial advice

This is an estimate for informational purposes only, not tax or financial advice. Tax situations vary — consult a qualified tax professional or accountant. Rates current as of 2026.

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

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What is Canada Take-Home Pay Calculator?

Canada Take-Home Pay Calculator estimates net pay after federal tax, provincial tax, CPP, CPP2, and EI using 2026 CRA rates. Select your province or territory and pay frequency to see per-paycheck and annual take-home with a visual breakdown. Quebec uses QPP/QPIP — shown as a simplified estimate. 100% client-side; your income never leaves your device.

Calculations happen in your browser. Your salary is never uploaded or stored on any server.

How to use Canada Take-Home Pay Calculator

1Enter gross income as annual or per-pay-period.
2Choose pay frequency and province/territory.
3Review CPP, EI, federal and provincial deductions.
4Check the breakdown chart and per-paycheck line items.

Examples

$75,000 in Ontario, bi-weekly

CPP ~$4,230 max, EI ~$1,123 max, plus income tax

$60,000 in Alberta

Lower provincial rate vs. Ontario or BC

Tips & common mistakes

CPP maxes at $4,230.45 employee contribution in 2026; CPP2 adds up to $416 on earnings $74,600–$85,000.
EI employee premium maxes at $1,123.07 (outside Quebec) on insurable earnings up to $68,900.
Federal lowest bracket is 14% in 2026 (reduced from 15%).

Who uses this tool?

Budgeting from bi-weekly pay in Canada.
Comparing job offers across provinces.
Understanding payroll deductions on a new salary.

Frequently asked questions

What is taken off a Canadian paycheck?: Typical deductions include CPP (Canada Pension Plan), EI (Employment Insurance), federal income tax, and provincial/territorial income tax. Quebec replaces CPP/EI with QPP and QPIP.
What are 2026 CPP and EI maximums?: CPP employee max is $4,230.45 (5.95% on pensionable earnings up to $74,600 minus $3,500 exemption). CPP2 adds up to $416. EI employee max is $1,123.07 on earnings up to $68,900 (outside QC).
Take-home pay on $100,000 in Ontario?: Roughly $70,000–$75,000 net annually depending on credits and exact withholding — use this calculator with Ontario selected for a closer estimate.
How is Quebec different?: Quebec administers QPP instead of CPP and QPIP instead of EI, with different rates. This tool provides a simplified Quebec estimate — use Revenu Québec tools for precision.
Is my salary sent to a server?: No. All math runs locally in your browser. Your income never leaves your device.