Payroll · Newfoundland & Labrador
Newfoundland & Labrador paycheck calculator.
Eight NL brackets from 8.7% to 21.8%, plus federal tax, CPP and EI. Built on CRA’s own payroll formulas.
A Newfoundland and Labrador paycheque calculator for 2026, following CRA’s T4127 Payroll Deductions Formulas. On a $60,000 salary paid bi-weekly, take-home is about $1,760.09 per cheque ($45,762.47 a year).
Newfoundland and Labrador has the longest bracket ladder in Canada: eight provincial brackets from 8.7% to 21.8%. For 2026 the basic personal amount is the unusual part.
Inputs
Your Newfoundland and Labrador paycheque
Fill the form and press Calculate.
What comes off a Newfoundland and Labrador paycheque
- Federal income tax — 2026 brackets from 14%, basic personal amount of $16,452 phasing down to $14,829, plus the Canada Employment Amount of $1,501.
- NL income tax — 8.7% to $44,678, 14.5% to $89,354, 15.8% to $159,528, 17.8% to $223,340, 19.8% to $285,319, 20.8% to $570,638, 21.3% to $1,141,275, then 21.8%.
- CPP — 5.95% of earnings between $3,500 and $74,600, plus CPP2 at 4% up to $85,000.
- EI — 1.63% of insurable earnings up to $68,900.
NL’s 2026 basic personal amount changed mid-year. CRA’s January edition of T4127 had $11,188; the July edition applies $15,000 for July to December as a prorated catch-up. This page uses a full-year constant salary and the resulting annual basic personal amount of $13,094, the midpoint of the two. A cheque issued in July to December by an employer using the July tables may therefore show slightly less NL tax than this page, and a cheque issued January to June slightly more.
Newfoundland and Labrador take-home pay: worked examples (2026)
Single employee, bi-weekly pay (26 periods), claim code 1. Each row is produced by the calculator above, so you can reproduce it by entering the annual salary divided by 26.
| Salary | Federal tax | Newfoundland & Labrador tax | CPP | EI | Net per year | Net per bi-weekly cheque |
|---|---|---|---|---|---|---|
| $45,000 | $3,338.20 | $2,497.18 | $2,469.25 | $733.50 | $35,961.87 | $1,383.15 |
| $60,000 | $5,338.29 | $4,559.49 | $3,361.75 | $978.00 | $45,762.47 | $1,760.09 |
| $100,000 | $13,301.59 | $10,325.86 | $4,646.45 | $1,123.07 | $70,603.03 | $2,715.50 |
CPP and EI in 2026
These are federal and the same in Newfoundland and Labrador as in every province outside Quebec.
- CPP: maximum employee contribution $4,230.45, plus CPP2 maximum $416.00.
- EI: maximum employee premium $1,123.07 on insurable earnings up to $68,900.
Both stop once the annual ceiling is reached, so take-home pay rises for higher earners later in the year.
How this is calculated
The numbers follow CRA’s T4127 Payroll Deductions Formulas. It assumes a full year at a constant salary and TD1 claim code 1: the basic personal amount and nothing else. If you claim other TD1 credits, or your employer takes pension contributions, union dues or group benefits, your real cheque will differ.
Sources
Every rate, threshold and ceiling on this page comes from the official publications below. Retrieved October 2026.
- CRA T4127, 123rd edition (effective 1 July 2026) — Table 8.1 provincial brackets, rates and constants.
- CRA T4127, 122nd edition (effective 1 January 2026) — basic personal amount formulas and provincial changes.
- Government of Canada — CPP contribution rates, maximums and exemptions
- CRA — EI premium rates and maximum insurable earnings
Frequently asked questions
What is the Newfoundland and Labrador basic personal amount for 2026?
CRA’s July T4127 applies $15,000 for the second half of 2026 (the first half used $11,188). This page uses the full-year equivalent of $13,094.
Why might my NL cheque differ from this calculator?
If your employer switched to the July tables, your July to December withholding uses the higher $15,000 amount and is slightly lower than the full-year figure shown here. TD1 claims, pension and union deductions also change the real result.
How do I use this calculator?
Enter your gross pay for one pay period, choose weekly, bi-weekly, semi-monthly or monthly, and press Calculate. The table itemises federal tax, Newfoundland and Labrador tax, CPP and EI per cheque and per year. It assumes a full year at a constant salary on TD1 claim code 1 (basic personal amount only).
Is this the CRA payroll calculator?
No. It is an independent estimate that follows the CRA T4127 formulas. Employers producing pay stubs should use the CRA Payroll Deductions Online Calculator.
Disclaimer
Estimate only — not tax or payroll advice, and not the CRA’s calculator. Follows CRA’s T4127 for a full year at a constant salary on TD1 claim code 1. Confirm anything that matters with the CRA or a payroll professional.