Salary Calculator Canada (2026): Take-Home Pay by Province
Use this salary calculator to find your take-home pay in Canada for 2026. Enter your gross salary and province or territory, and it estimates your federal and provincial tax, CPP and EI, and what is left each year, month, pay period and week. It works for employment income in all 10 provinces and 3 territories.
Take-Home Pay Calculator
| Taxable income (after RRSP and other deductions) | |
| Federal tax | |
| Provincial tax | |
| Ontario health premium (Ontario only) | |
| CPP (includes CPP2 where it applies) | |
| EI | |
| Total deductions | |
| Net annual pay | |
| Net monthly | |
| Net bi-weekly | |
| Net weekly | |
| Average tax rate (income tax only) | |
| Marginal tax rate (income tax only, at this salary) |
Estimate only, using 2026 federal and provincial rates. Bonuses, benefits and special deductions are not included.
Quebec note: Quebec uses the lower Quebec EI rate (1.30%). QPIP (Quebec Parental Insurance Plan) premiums are not included, so Quebec take-home pay here is slightly overstated. Ontario results include the Ontario surtax and health premium (maximum $900). The federal basic personal amount phase-out for very high incomes and other tax credits are not modeled.
How to use this salary calculator
Enter your annual gross salary, choose your province or territory, and add any RRSP contribution or other annual deductions if you have them. The take-home pay calculator updates as you type, and you can also press Calculate. Your RRSP contribution and other deductions lower your taxable income for income tax, but they do not lower your CPP or EI, which are based on your gross pay. This calculator is for employment income only.
Where your paycheque goes
Federal tax is charged in slices, called brackets, so only the part of your income in each slice is taxed at that slice’s rate. The federal basic personal amount ($16,452 for 2026) shelters the first part of your income from federal tax, as a credit at the lowest rate of 14%.
Provincial or territorial tax works the same way, with its own brackets and basic personal amount. That is why the same salary gives a different take-home pay in Ontario, Alberta, Quebec or any other province. In Ontario, a surtax applies once Ontario tax passes $5,818, with a second tier above $7,446, and the Ontario health premium is added, up to a maximum of $900.
CPP is the Canada Pension Plan. In 2026 you pay 5.95% on earnings between the $3,500 basic exemption and the $74,600 maximum pensionable earnings, for a maximum of $4,230.45. Earnings from $74,600 to the $85,000 additional ceiling pay the additional CPP2 rate of 4%, up to $416. In Quebec, the equivalent plan is the QPP.
EI is Employment Insurance. In 2026 the rate is 1.63% on insurable earnings up to $68,900, for a maximum of $1,123.07. Quebec workers pay a lower EI rate of 1.30% because Quebec runs its own parental insurance plan, and that plan’s premiums are not included here.
Worked example: Ontario, $75,000 salary
The table below shows the calculator’s own output for Ontario, a $75,000 salary, and no RRSP contribution or other deductions.
| Item | Amount |
|---|---|
| Federal tax | $9,267.73 |
| Provincial tax (Ontario, before health premium; Ontario surtax $0) | $3,997.02 |
| Ontario health premium | $750.00 |
| CPP (includes CPP2 of $16.00) | $4,246.45 |
| EI | $1,123.07 |
| Total deductions | $19,384.27 |
| Net annual pay | $55,615.73 |
| Net monthly | $4,634.64 |
| Net bi-weekly | $2,139.07 |
| Net weekly | $1,069.53 |
| Average tax rate (income tax only) | 18.69% |
| Marginal tax rate (combined, at $75,000) | 29.65% |
The combined marginal rate of 29.65% is 20.5% federal plus 9.15% Ontario. Note on the sanity check: this worked example’s net pay of $55,615.73 is below a rough $57,000 to $59,000 band sometimes quoted for $75,000 in Ontario, because this calculator follows the stated method of basic personal amount credits only and does not add the extra tax credits for CPP and EI contributions that a filed tax return would also give. Those credits would raise the filed-return result, but they are outside the method used here, so the calculator’s figure is a conservative estimate.
Frequently asked questions
Is this the same as a salary calculator?
Yes. A salary calculator and a take-home pay calculator answer the same question in different words: a salary calculator starts with your gross salary, and a take-home pay calculator shows what is left after tax, CPP and EI. This page does both, so you can search for it either way.
Does this include CPP and EI?
Yes. CPP, including CPP2 on earnings above $74,600 up to $85,000, and EI are shown separately from income tax. CPP is capped at $4,230.45 plus up to $416 of CPP2 in 2026, and EI is capped at $1,123.07 outside Quebec.
Why is Quebec’s take-home different?
Quebec has its own provincial tax brackets and rates, its own basic personal amount, a lower EI rate of 1.30%, and the Quebec Pension Plan instead of CPP. It also has QPIP, the Quebec Parental Insurance Plan, whose premiums are not included in this calculator, so a Quebec result here is slightly higher than a full payroll result would be.
How does an RRSP contribution change my take-home pay?
An RRSP contribution lowers your taxable income before federal and provincial tax are calculated, so your income tax falls by roughly your marginal rate on the contribution, while CPP and EI do not change. Your paycheque still falls by the full contribution in the year you make it, because that money goes into your RRSP, but you pay less income tax on the rest.
For the 2026 brackets behind these figures, see our Canada tax brackets for 2026. To work out what that take-home pay can afford each month, try our mortgage payment calculator, and find more tools on our Calculators hub.
Sources and method: 2026 federal and provincial tax brackets from the Canada Revenue Agency’s 2026 tax rates page and, for Quebec, Revenu Quebec; federal basic personal amount $16,452 and Ontario basic personal amount $12,989; CPP and EI rates and maximums from the Canada Revenue Agency payroll pages. Provincial basic personal amounts other than Ontario use the latest published amounts, and all figures here are estimates for employment income only.
