Payroll · Canada
Take-home pay.
See what you actually keep after federal tax, provincial tax, CPP, and EI deductions on every paycheque.
A Canadian paycheque calculator. Enter your gross salary, province and pay frequency, and it returns your net take-home pay after federal income tax, provincial income tax, CPP and EI, with each deduction itemised.
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.
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).
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.
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.
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
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. 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. A bonus is taxed at exactly the same marginal rate as any other dollar of employment income: the difference is purely a timing artifact of how withholding is computed.
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.
Disclaimer
For the 2026 tax year, for educational purposes only. 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.