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Take-home pay calculator

See what reaches your bank account each month and each year after income tax and social security. Each country uses its current official rules, and every source is listed.

Take-home pay in Canada

Tax year 2026 (1 January to 31 December 2026)

About this estimate

Rules used: Tax year 2026 (1 January to 31 December 2026)

Estimates only. Your payslip can differ.

See assumptions and sources

What we assume

Employment income only, basic personal amounts only (no spouse, dependants or other credits).
Federal rates 14%, 20.5%, 26%, 29% and 33%, with the basic personal amount of $16,452 reduced above $181,440, and the Canada employment amount.
CPP: 5.95% between $3,500 and $74,600, plus 4% up to $85,000 (CPP2). Quebec uses QPP at 6.30%. The enhanced part of CPP or QPP is deducted from income; the base part earns a credit.
EI: 1.63% up to $68,900 (1.30% in Quebec). Quebec adds QPIP at 0.43% up to $103,000.
Ontario: 2026 rates, surtax, Ontario Health Premium and the basic tax reduction.
British Columbia: Budget 2026 rates (lowest rate 5.60%) and the $690 tax reduction for lower incomes.
Quebec: 2026 rates, the $18,952 basic personal amount, the deduction for workers, and the 16.5% federal abatement. Assumes your employer's group plan covers prescription drugs.