Canada Take-Home Pay Calculator 2026
Estimate your 2026 Canadian take-home pay after federal and provincial income tax, CPP, CPP2 and EI. Pick your province, add an RRSP and see every rate, editable.
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About the Canada Take-Home Pay Calculator
The Canada Take-Home Pay Calculator estimates what is left of a Canadian salary in the 2026 tax year, after federal income tax, provincial income tax, Canada Pension Plan (CPP and CPP2) contributions and Employment Insurance (EI) premiums. Enter your gross salary per year, month, 4 weeks, 2 weeks or week, pick your province and, if you put money into an RRSP or a registered pension plan through payroll, the share of pay you contribute. The result shows net pay per year, per month and per pay period, the total deductions and their share of your gross pay, and a line-by-line breakdown. Every line names its scope ("Canada · federal", "Canada · CPP" or the province), the 2026 tax year and the rate it charges.
This page opens on Ontario, the most populous province. You can switch to British Columbia, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador or Prince Edward Island in the same calculator, or open the Ontario, BC and Alberta pages directly. The main Net Salary Calculator covers other countries.
What comes off a Canadian paycheque
CPP, CPP2 and EI
CPP base contributions are 4.95% and CPP first additional contributions 1.00% of earnings between the 3,500 basic exemption and the 2026 YMPE of 74,600, so at most 3,519.45 and 711.00 a year. CPP2 is 4.00% of earnings between 74,600 and the YAMPE of 85,000, at most 416.00. EI premiums are 1.63% of earnings up to 68,900, at most 1,123.07.
Federal income tax
The 2026 federal brackets are 14% from 0, 20.5% from 58,523, 26% from 117,045, 29% from 181,440 and 33% from 258,482. The lowest rate fell from 15% to 14%, so 2026 is the first full year at 14%. The tax is charged on salary minus the RRSP, CPP first additional contributions and CPP2, then reduced by three credits at 14%: the basic personal amount of 16,452 (falling to 14,829 between 181,440 and 258,482), the Canada employment amount of 1,501, and base CPP plus EI.
Provincial income tax
Each province charges its own brackets on the same taxable income, less its own basic personal amount and CPP and EI credits at its lowest rate. Ontario adds a surtax, the Ontario Health Premium and a tax reduction for low incomes; British Columbia adds the BC tax reduction; Manitoba reduces its basic amount above 200,000.
Worked example
60,000 a year in Ontario
CPP is 2,796.75 + 565.00 and EI 978.00. Taxable income is 59,435. Federal tax before credits is 8,380.18; the credits are 2,303.28, 210.14 and 528.47, so federal income tax is 5,338.29. Ontario tax is 3,228.77 − 655.94 − 190.62 = 2,382.21, plus the Health Premium of 600.00, so 2,982.21. Net pay is 47,339.75 a year, 3,944.98 a month.
What the estimate leaves out
The estimate is the full-year 2026 amount for one employee who lives in the chosen province all year. It uses only the basic personal amounts, the Canada employment amount and the CPP and EI credits, so spouse, dependant, age, disability and tuition credits, refundable benefits, union dues and taxable benefits are left out. In British Columbia, Newfoundland and Labrador, and Prince Edward Island, payroll withholding from July 2026 uses prorated rates, so payslips there differ from the annual figure. Quebec, with its QPP, QPIP and its own income tax, is not offered yet, and neither are the territories.
Edit and reset the rates
Every rate sits in the Tax rates panel as a field, with its scope, the tax year and its default. Thresholds, maxima and basic amounts show as read-only text. Change a rate and the result updates at once, with an "Edited" marker; Reset to 2026 defaults restores them. The federal credits follow the edited lowest federal rate. Changing the province restores every default. To see your 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
How much are CPP and EI in 2026?
CPP is 4.95% plus 1.00% of earnings between 3,500 and 74,600, at most 3,519.45 and 711.00. CPP2 is 4.00% between 74,600 and 85,000, at most 416.00. EI is 1.63% of earnings up to 68,900, at most 1,123.07.
What is take-home pay on 60,000 in Ontario?
CPP 3,361.75, EI 978.00, federal income tax 5,338.29 and Ontario tax 2,982.21 including the Health Premium, so 47,339.75 a year or 3,944.98 a month.
Why does my payslip differ from the result?
The page works out the full-year 2026 amount. Payroll annualises each pay, and in British Columbia, Newfoundland and Labrador, and Prince Edward Island it uses prorated rates from July 2026, so single payslips differ while the annual tax does not.
What does an RRSP contribution change?
An RRSP or registered pension contribution through payroll lowers both federal and provincial taxable income, so it saves tax at your combined top rate. CPP, CPP2 and EI are still charged on your full salary.
Is the lowest federal rate 14% or 15% in 2026 in every province?
It is 14% for all of 2026 in every province. 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.
Why is Quebec not offered?
Quebec has its own pension plan (QPP), parental insurance (QPIP), a lower EI rate and its own income tax. Its 2026 credits are still being confirmed from official Quebec sources, so Quebec is added once they are.