Take-Home Pay Calculator
Here's what you actually keep. Real 2026 federal and provincial brackets, CPP/QPP and EI math — live as you type.
Updated for the 2026 tax year
Your numbers
Your result
How this is calculated
Your take-home pay is gross salary minus four things: federal income tax, provincial income tax, CPP/QPP contributions, and EI premiums. Each is computed on the 2026 CRA figures, then RRSP, pension, and union-dues deductions reduce your taxable income first.
2026 figures used
Tax brackets, basic personal amounts, CPP/QPP and EI rates and maximums are ported from the verified design preview — the tables below are filled in at port time and re-checked annually against CRA publications.
| Figure | 2026 value | Source |
|---|---|---|
| Federal brackets & BPA | to be ported | CRA T1 |
| Provincial brackets & credits | to be ported | Provincial finance ministries |
| CPP/QPP rate, YMPE, YAMPE | to be ported | CRA / Revenu Québec |
| EI rate & MIE | to be ported | CRA / Service Canada |
Worked example
Ported with the verified tables. Example: a $95,000 salary in Ontario, paid biweekly, no extra deductions — federal tax, Ontario tax, CPP, and EI computed bracket by bracket, then divided into 26 pays with the CPP/EI max-out month shown.
What changed in 2026
Ported from the annual review notes.
Sources
- CRA — 2026 federal income tax brackets and basic personal amount
- CRA — 2026 CPP contribution rates and maximums (T4001)
- Service Canada — 2026 EI premium rate and maximum insurable earnings
- Provincial finance ministries — 2026 provincial brackets and credits
Common questions
Why doesn't this match my paycheque exactly?
Usually one of three things: your employer deducts extras this calculator doesn't know about (health premiums, parking, social-club fees), your province or tax credits differ from the defaults, or you're comparing a pay that included overtime or a bonus. Check the advanced deductions first.
Can a raise actually lower my take-home pay?
No. Canada uses marginal tax rates: only the dollars inside each bracket are taxed at that bracket's rate. A raise can push part of your income into a higher bracket, but your take-home pay always goes up. The calculator shows your marginal vs. average rate so you can see it.
Are CPP and EI taxes?
They're payroll deductions, not income tax — CPP/QPP builds your retirement pension and EI funds employment insurance. That's why this calculator lists them separately from federal and provincial tax.
When do I stop paying CPP and EI each year?
Once your contributions hit the annual maximums. Higher earners max out mid-year, so later paycheques are slightly bigger. The results show your max-out month.
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Paystub doesn't match? A deduction we should add? Tell us — every calculator gets better from real feedback.
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