Payroll · Canada · 2026
Salary & Paycheck Calculator (Canada)
Enter a salary, hourly wage or pay per period, and see your take-home pay after federal tax, provincial tax, CPP and EI.
This is the national Canada calculator. It covers every province; use the province pages below for province-specific deductions and guidance.
How much tax is deducted from a paycheque? On a $60,000 salary in Ontario, about $12,660 a year (21.1%) comes off in total, leaving $1,820.78 per bi-weekly cheque. That is income tax plus CPP and EI, 2026 rates, claim code 1. Other provinces differ by up to about $2,600 a year, almost all of it provincial tax (see the table below).
Income tax is calculated on progressive brackets with the basic personal amount applied, while CPP and EI are percentages of earnings up to annual maximums, which is why deductions can stop partway through the year once those ceilings are reached. Rates as of January 1, 2026, from the CRA’s T4127 (122nd edition, with the July 2026 changes).
Source: CRA — T4127 Payroll Deductions Formulas, 122nd edition (January 2026); CRA — CPP contribution rates, maximums and exemptions · As of
Cite this page: TNAADO Tools, “Paycheck Calculator Canada (2026)”, https://tools.tnaado.ca/calculators/payroll/paycheck-calculator/
Inputs
Your paycheque
Fill the form and press Calculate.
What's deducted from your paycheque
- Federal tax: progressive 2026 brackets, less the basic personal amount, the Canada Employment Amount and the tax credits for your CPP and EI contributions.
- Provincial tax: progressive 2026 brackets by province, including Ontario’s surtax and the Ontario and British Columbia tax reductions.
- Ontario Health Premium: up to $900 a year, charged on taxable income over $20,000. It is collected through payroll alongside Ontario income tax, and it is shown here as its own line rather than folded into provincial tax.
- CPP: 5.95% of pensionable earnings ($3,500–$74,600 in 2026), plus CPP2 at 4% on earnings from $74,600 to $85,000. The enhanced 1% portion and all of CPP2 are deducted from your taxable income rather than credited against tax.
- EI: 1.63% of insurable earnings up to $68,900 in 2026 (1.30% in Quebec, which runs its own parental plan).
As of: January 1, 2026 rates, reviewed October 1, 2026. These figures follow the CRA’s T4127 Payroll Deductions Formulas for a salaried employee on claim code 1, and reproduce the CRA’s own T4032 deduction tables.
Worked example: $60,000 salary in each province (2026)
A single employee on a $60,000 annual salary, paid bi-weekly (26 periods), claim code 1 (basic personal amount only), for the 2026 tax year. Every figure below is produced by the same calculator above, so you can reproduce any row by entering $2,307.69 per period and choosing the province.
| Province | Federal tax | Provincial tax (incl. Ontario Health Premium) | CPP / QPP | EI (plus QPIP in Quebec) | Net per year | Net per bi-weekly cheque |
|---|---|---|---|---|---|---|
| Ontario | $5,338.29 | $2,981.73 | $3,361.75 | $978.00 | $47,340.23 | $1,820.78 |
| British Columbia | $5,338.29 | $2,567.01 | $3,361.75 | $978.00 | $47,754.95 | $1,836.73 |
| Alberta | $5,338.29 | $2,631.30 | $3,361.75 | $978.00 | $47,690.66 | $1,834.26 |
| Quebec (estimate) | $4,427.34 | $5,922.12 | $3,559.50 | $1,038.00 | $45,053.04 | $1,732.81 |
| Nova Scotia | $5,338.29 | $5,595.91 | $3,361.75 | $978.00 | $44,726.05 | $1,720.23 |
| New Brunswick | $5,338.29 | $4,274.66 | $3,361.75 | $978.00 | $46,047.30 | $1,771.05 |
| Manitoba | $5,338.29 | $4,549.05 | $3,361.75 | $978.00 | $45,772.91 | $1,760.50 |
| Saskatchewan | $5,338.29 | $3,802.02 | $3,361.75 | $978.00 | $46,519.94 | $1,789.23 |
| Prince Edward Island | $5,338.29 | $4,875.29 | $3,361.75 | $978.00 | $45,446.67 | $1,747.95 |
| Newfoundland and Labrador | $5,338.29 | $4,559.49 | $3,361.75 | $978.00 | $45,762.47 | $1,760.09 |
The federal, CPP and EI columns are the same everywhere except Quebec, which uses QPP, its own EI rate and QPIP. The spread between provinces is almost entirely provincial income tax. Quebec provincial tax is Revenu Québec’s, not the CRA’s, so that row is an estimate. Sources: CRA T4127 Payroll Deductions Formulas, CPP rates and maximums and EI premium rates and maximums. Figures are for 2026 and will change in January.
Worked example: a bonus and an RRSP contribution
Ontario, $60,000 salary, bi-weekly, 2026. Adding a $5,000 bonus raises total deductions by $1,784.00 (28.10% income tax at the margin, plus CPP and EI), so you keep $3,216.00. Contributing $3,000 to an RRSP through payroll lowers income tax by about $753.77 for the year; your net pay falls by the contribution less that saving. Enter the same numbers above to check.
Province notes: Ontario, BC, Alberta and Quebec
Figures below are for $60,000 a year, bi-weekly, 2026, claim code 1, from the calculator above.
Ontario
Take-home is $1,820.78 per bi-weekly cheque. Provincial tax of $2,981.73 includes the Ontario Health Premium. See the Ontario payroll calculator.
British Columbia
Take-home is $1,836.73 per bi-weekly cheque, with $2,567.01 of provincial tax after the BC tax reduction. See the BC payroll calculator.
Alberta
Take-home is $1,834.26 per bi-weekly cheque, with $2,631.30 of provincial tax and the Alberta-only K5P credit reduction applied. See the Alberta payroll calculator.
Quebec
Quebec withholds QPP ($3,559.50, at 6.30%) instead of CPP, EI at the lower 1.30% rate plus QPIP ($1,038.00 combined), and Revenu Québec’s own provincial tax, which this page estimates. Take-home is about $1,732.81 per bi-weekly cheque. See the Quebec payroll calculator.
CRA payroll deductions calculator vs this tool
| CRA Payroll Deductions Online Calculator | This page | |
|---|---|---|
| Built for | Employers preparing deductions for an official statement of earnings | Employees checking take-home pay |
| Formulas | CRA T4127 | CRA T4127, same edition |
| TD1 claim amounts | Yes | No, basic personal amount only (claim code 1) |
| Hourly wage, annual view, bonus and RRSP what-ifs | Not the focus | Yes |
| Quebec provincial tax | Not covered; use Revenu Québec’s WebRAS | Estimated |
| Official? | Yes, from the CRA | No, an independent estimate |
If you are an employer producing pay stubs, use the CRA’s Payroll Deductions Online Calculator. It states that a printed result is not an official statement of earnings.
Take-home pay by province
This page covers every province. The province pages go further — each one carries the deductions that province charges and nobody else does, with the CRA or Revenu Québec source for every rate.
- Ontario payroll calculator — adds the Ontario surtax and the Ontario Health Premium.
- Quebec payroll calculator — QPP at 6.30%, QPIP, and Quebec’s reduced 1.30% EI rate.
- BC payroll calculator — applies the BC tax reduction at source; no MSP premium.
- Alberta payroll calculator — includes the Alberta-only K5P credit reduction.
- Paycheck calculator by province — also Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador and PEI.
For an annual tax bill rather than a paycheque, use the income tax calculator.
TNAADO Inc. · Toronto
Why your deductions change partway through the year
Four mandatory deductions come off a Canadian paycheque: federal tax, provincial tax, CPP and EI. Income tax is progressive and reduced by the basic personal amount. CPP and EI are flat percentages charged only up to an annual earnings ceiling, and once you reach the ceiling the deduction stops for the rest of the year, which is why a cheque in November can be visibly larger than the identical cheque in March. The 2026 rates, ceilings and constants here are CRA’s.
The mistake people make. Comparing a modelled net figure against a real pay stub and assuming one of them is wrong. Payroll applies your TD1 claim codes, union dues, pension contributions, benefit premiums and the second CPP ceiling exactly as filed; a calculator that knows only your salary and province cannot. Quebec is the widest gap: QPP and QPIP replace CPP and part of EI, and Revenu Québec runs its own tax table, so Quebec figures here are an estimate.
Frequently asked questions
How much tax is deducted from a paycheque in Canada?
It depends on income, province and pay frequency, but a single employee on a $60,000 salary in Ontario has about $12,660 a year (21.1%) deducted in total: $5,338.29 federal tax, $2,981.73 provincial tax including the Ontario Health Premium, $3,361.75 CPP and $978.00 EI (2026, claim code 1). That leaves $47,340.23 a year, or $1,820.78 per bi-weekly cheque. Enter your own salary above for your province.
Why does tax differ from one cheque to the next?
Payroll withholding is estimated one pay period at a time, so the amount can move even when your salary does not. Four things cause most of the difference: CPP and EI stop once you pass their yearly maximums (CPP at $4,230.45 base plus $416.00 CPP2, EI at $1,123.07 in 2026), so later cheques are larger; a bonus, overtime or commission raises that one period’s income and the tax withheld on it; months with three paycheques (bi-weekly) or five (weekly) are still taxed per period; and a TD1 change or an RRSP or pension deduction starting mid-year changes the amount. The tax you actually owe is settled when you file your return, which is why a refund or balance owing is possible.
What is deducted from a Canadian paycheque?
Four mandatory items: federal income tax, provincial income tax, CPP (Canada Pension Plan, or QPP in Quebec) and EI (Employment Insurance) — and in Ontario a fifth, the Ontario Health Premium; in Quebec, QPIP as well. Income tax is progressive and reduced by the basic personal amount, the Canada Employment Amount and credits for the CPP and EI you have already paid; CPP and EI are flat percentages up to annual earnings ceilings.
Anything else (pension contributions, union dues, group benefits, an RRSP deducted at source) is set by your employer, not the government, and varies from one workplace to another.
Why is my bonus taxed so much?
It is over-withheld, not over-taxed. The CRA’s bonus method treats the payment as though that pay period repeated all year, which pushes the calculation into a higher bracket and withholds more than the bonus will ultimately cost you. The excess comes back when you file.
The bonus box above shows the annual-basis result: the extra tax, CPP and EI on a bonus added to your salary. For a $5,000 bonus on $60,000 in Ontario that is $1,784.00 of deductions, leaving $3,216.00. Your cheque may withhold more than that.
How do I calculate biweekly net pay?
Divide your gross annual salary by 26 pay periods, then apply tax, CPP and EI to that amount. Note that this is not the same as twice-monthly pay, which is 24 periods and produces a larger cheque each time. Biweekly pay also means two months a year contain three paycheques instead of two. Budgeting against the two-cheque months rather than the average is the safer approach.
How do I calculate an hourly paycheque in Canada?
Choose Hourly wage in the calculator, enter your rate and hours per week, and it multiplies out to an annual figure (rate × hours × 52) before applying deductions. For example, $25 an hour for 40 hours a week is $52,000 a year, or about $1,601.59 net per bi-weekly cheque in Ontario. Overtime and vacation pay are added to gross before deductions. To convert a wage to an annual figure first, use the hourly to salary calculator.
How is this different from the CRA payroll deductions calculator?
The CRA’s Payroll Deductions Online Calculator is built for employers working out deductions for an official statement of earnings, and it is the reference for that purpose. This page uses the same T4127 formulas but is built for employees: it shows the whole year and the take-home cheque side by side, converts hourly wages, and adds a bonus and RRSP view. See the comparison table above.
Is this an ADP paycheck calculator?
No. This is an independent calculator from TNAADO and is not affiliated with ADP or any payroll provider. People searching for an ADP-style calculator usually want the same thing: net pay from a gross salary or hourly wage after tax, CPP and EI. This page does that using the CRA’s published formulas. Your employer’s payroll provider applies your actual TD1 claims and benefits, so a pay stub can differ.
Which tax year does this calculator use?
2026. Rates, brackets, CPP and EI ceilings follow the CRA’s T4127 Payroll Deductions Formulas, 122nd edition, effective January 1, 2026, with the July 2026 changes for British Columbia, Newfoundland and Labrador and Prince Edward Island applied on an annual basis. Figures reviewed October 1, 2026; they will change in January.
Disclaimer
For the 2026 tax year, for general information only; this is not tax, legal or financial advice. Confirm with your employer, the CRA or a qualified professional. Calculated with the CRA’s T4127 Payroll Deductions Formulas (122nd edition, effective January 1, 2026, with the 123rd edition’s July 2026 changes for British Columbia, Newfoundland & Labrador and Prince Edward Island applied on an annual basis). Assumes a full year at one salary and claim code 1 — the basic personal amount and nothing else on your TD1. Your real paycheque will differ if you claim other TD1 credits, or have RRSP, pension, union dues or benefits deducted at source.
Modelled: the Ontario surtax, the Ontario Health Premium (shown as its own line), the Ontario and British Columbia tax reductions, the Canada Employment Amount, the CPP and EI tax credits, and the enhanced-CPP income deduction. Not modelled: mid-year salary changes, part-year employment, and Quebec provincial tax — Revenu Québec sets its own rates, so the Quebec provincial figure is an estimate and is labelled as one. QPP, Quebec’s lower EI rate and QPIP are modelled at CRA’s published 2026 rates.