BC Take-Home Pay Calculator 2026
Estimate your 2026 take-home pay in British Columbia after federal and BC income tax, the BC tax reduction, CPP, CPP2 and EI, with every rate shown and editable.
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About the BC Take-Home Pay Calculator
The BC Take-Home Pay Calculator estimates what is left of a salary earned in British Columbia in the 2026 tax year, after federal income tax, BC income tax, CPP and CPP2 contributions and EI premiums, with the BC tax reduction applied. Enter your gross salary per year, month, 4 weeks, 2 weeks or week and, if you contribute to an RRSP or a registered pension plan through payroll, the share of pay you put in. The result shows net pay per year, per month and per pay period, the total deductions and their share of gross pay, and every line with its scope ("Canada · federal" or "British Columbia"), the 2026 tax year and its rate.
This page opens with British Columbia chosen. The Canada Take-Home Pay Calculator covers the other provinces, and the Net Salary Calculator other countries.
What comes off a BC paycheque
Federal lines
CPP is 4.95% base plus 1.00% first additional on earnings from 3,500 to 74,600, CPP2 4.00% from 74,600 to 85,000, and EI 1.63% up to 68,900. Federal income tax runs from 14% to 33% on salary minus the RRSP, CPP first additional and CPP2, less the basic personal amount, the Canada employment amount and the CPP and EI credits at 14%.
BC income tax
BC's full-year 2026 brackets are 5.60% from 0, 7.70% from 50,363, 10.50% from 100,728, 12.29% from 115,648, 14.70% from 140,430, 16.80% from 190,405 and 20.50% from 265,545. The tax is reduced by credits at 5.60% for the basic personal amount of 13,216 and for base CPP plus EI.
BC tax reduction
The BC tax reduction is 690, less 3.56% of taxable income above 25,570, so it is gone from 44,952. It never takes BC tax below zero.
Worked example
30,000 a year
CPP is 1,311.75 + 265.00 and EI 489.00. Taxable income is 29,735 and federal income tax 1,397.37. BC tax before credits is 1,665.16; the credits are 740.10 and 100.84, leaving 824.22. The reduction is 690 − 4,165 × 3.56% = 541.73, so BC takes 282.49. Net pay is 26,254.39 a year.
Why a BC payslip differs in 2026
British Columbia raised its lowest rate from 5.06% to 5.60% from July 2026. Employers withhold at a prorated 6.14% for the rest of the year, so the tax taken from each pay in the second half of 2026 is higher than the full-year rate suggests, while the first half was lower. This calculator uses the full-year 5.60% rate that applies to your 2026 return, so the annual result is right even when single payslips are not.
What the estimate leaves out
The estimate is the full-year 2026 amount for one employee resident in BC all year. It uses only the basic personal amounts, the Canada employment amount and the CPP and EI credits, so other credits, the BC climate action and family benefits, union dues and taxable benefits are left out.
Edit and reset the rates
Every rate, including the BC bands and the reduction's 3.56%, is a field in the Tax rates panel with its 2026 default. Thresholds and basic amounts are read-only. Reset to 2026 defaults restores every rate. To work out gross pay first, use the Gross Pay Calculator.
Official sources
- CRA T4127 Payroll Deductions Formulas, January 2026
- CRA T4127 Payroll Deductions Formulas, July 2026
The rules are checked against these pages; the calculator's header shows the month they were last checked.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Frequently asked questions
Why does my BC payslip differ in 2026?
BC raised its lowest rate to 5.60% from July 2026, and employers withhold at a prorated 6.14% for the second half of the year. The calculator uses the full-year 5.60% that applies to your return, so single payslips differ.
What is the BC tax reduction?
A credit of 690 against BC tax, reduced by 3.56% of taxable income above 25,570, so it is gone from 44,952. At 30,000 it is 541.73.
What is take-home pay on 60,000 in BC?
CPP 3,361.75, EI 978.00, federal income tax 5,338.29 and BC tax 2,567.38, with no BC tax reduction at this income, so take-home pay is 47,754.58 a year, or 3,979.55 a month.
What are the BC tax brackets for 2026?
5.60% from 0, 7.70% from 50,363, 10.50% from 100,728, 12.29% from 115,648, 14.70% from 140,430, 16.80% from 190,405 and 20.50% from 265,545, with a basic personal amount of 13,216.
What does an RRSP contribution change in BC?
An RRSP or registered pension contribution through payroll lowers federal and BC taxable income, so it saves tax at your top rate: on a salary of 60,000 that is 20.5% federal plus 7.70% BC, 28.2% in all. It does not lower CPP, CPP2 or EI, which are charged on your full salary.
Is the lowest federal rate 14% or 15% in 2026 in British Columbia?
It is 14% for all of 2026 in British Columbia. The rate fell from 15% in July 2025, so 2025 used a blended 14.5%. The federal credits for the basic personal amount, the Canada employment amount and CPP and EI use 14% too.