Take-Home Pay Calculator
Want one number, fast? Enter your salary or hourly wage, pick your province and pay frequency, and get your take-home pay: the exact dollar amount that lands in your bank account each pay period after federal tax, provincial tax, CPP/QPP, and EI/QPIP. It is the bottom-line figure for budgeting, comparing job offers, or answering the only question that matters: what do you actually keep? If you want to work backwards, our reverse salary calculator finds the gross pay you need for any take-home target.
Take-Home Pay Calculator
+ Advanced options (overtime, bonus, TD1, RRSP)
Independent estimate based on 2026 CRA federal/provincial payroll formulas, Revenu Québec figures, and published CPP/CPP2/QPP/QPP2, EI and QPIP rates. Taxable benefits are assumed pensionable (count toward CPP/QPP) but not insurable (excluded from EI/QPIP), treatment varies by benefit type in practice. RRSP/pension contributions reduce taxable income only, not CPP/QPP or EI/QPIP earnings, matching standard payroll treatment. Not affiliated with the CRA or Government of Canada. Actual payroll may differ based on your employer's specific deductions and other factors. This tool does not constitute tax or financial advice.
Independent estimate of statutory employer payroll costs (CPP/QPP, EI, QPIP) based on 2026 published rates. Does not include optional employer costs such as extended health benefits, pension matching beyond CPP/QPP, workers' compensation premiums, or vacation pay accruals, which vary by employer and province. Not affiliated with the CRA or Government of Canada.
Your Take-Home Pay Breakdown
The calculator above breaks your result into every deduction, federal tax, provincial tax, CPP or QPP, CPP2 (if applicable), and EI or QPIP, so you can see exactly where each dollar goes, not just the final number.
How Take-Home Pay Is Calculated
Take-home pay is calculated in a fixed sequence. Starting from your gross pay:
- Federal income tax is calculated on your taxable income
- Provincial or territorial tax is calculated separately
- CPP (or QPP in Quebec) is deducted, plus CPP2 above $74,600
- EI (or EI plus QPIP in Quebec) is deducted
- What remains is your take-home pay
Gross Pay vs. Take-Home Pay
Gross pay is the number in your offer letter or employment contract, what you earn before anything is taken out. Take-home pay is what’s left after all deductions. The gap between the two is usually 20–30% of gross pay, depending on your income level and province.
What Is Deducted From Your Paycheque?
- Federal tax: same brackets nationwide, 14% to 33% for 2026
- Provincial tax: set independently by each province or territory
- CPP or QPP: retirement pension contribution
- CPP2 or QPP2: additional contribution above $74,600
- EI: employment insurance premium
- QPIP: Quebec only, parental insurance premium
Take-Home Pay by Province
Federal tax is identical everywhere, but provincial tax varies, so the same salary results in different take-home pay depending on where you live. Here’s a $75,000 salary compared across a few provinces:
| Province | Take-home pay |
|---|---|
| British Columbia | $56,385 |
| Ontario | $56,366 |
| Alberta | $55,908 |
| Manitoba | $53,432 |
| Quebec | $52,668 |
| Nova Scotia | $51,885 |
See our provincial tax estimator for a full comparison across all 13 provinces and territories.
Take-Home Pay by Salary
Take-home pay grows more slowly than gross pay at higher incomes, since Canada’s progressive tax brackets take a larger share of each additional dollar. Here’s Ontario, 2026:
| Gross salary | Take-home pay | Take-home % |
|---|---|---|
| $40,000 | $32,515 | 81.3% |
| $50,000 | $39,852 | 79.7% |
| $60,000 | $46,843 | 78.1% |
| $75,000 | $56,366 | 75.2% |
| $100,000 | $73,460 | 73.5% |
Why Take-Home Pay Changes
- A raise or bonus increases gross pay, which can push part of your income into a higher tax bracket
- CPP and EI deductions stop once you hit the annual maximum, increasing take-home pay later in the year
- Changing province changes your provincial tax rate and basic personal amount
- RRSP contributions reduce taxable income, increasing take-home pay relative to not contributing
Take-Home Pay vs. Net Pay
These two terms mean the same thing and are used interchangeably. “Net pay” is the more formal, pay-stub term; “take-home pay” is the everyday phrase for the same number, your earnings after every deduction.
Why Your Actual Paycheque May Differ
This calculator assumes a standard basic personal amount and no extra deductions unless you enter them under “Advanced options.” Your actual pay stub may differ slightly due to:
- A custom TD1 claim amount different from the default
- Union dues or benefit premiums specific to your employer
- RRSP contributions or taxable benefits not entered into the calculator
- Mid-year rate changes, where applicable
Take-Home Pay on $60,000, Province by Province
A $60,000 salary is a useful benchmark because it sits close to what a full-time Canadian worker earns. After federal and provincial tax, CPP or QPP, and EI or QPIP for 2026, $60,000 leaves you with: Ontario $46,843.00, British Columbia $46,845.83, Alberta $46,489.04, Saskatchewan $45,198.16, Manitoba $44,438.26, and Quebec $44,202.10. The spread between the highest and lowest of these six is more than $2,600 a year on the same salary, which is why comparing job offers across provinces on gross pay alone is misleading. For the Atlantic provinces and the territories, run your province in the calculator above for the exact figure.
Comparing a Job Offer? Compare Take-Home, Not Salary
A $5,000 raise that moves you into a higher bracket, a new province, or a longer CPP and EI runway is not worth $5,000. Before you accept, run both offers through the calculator above and compare the take-home lines, then check what the new salary means per pay period. If the two offers pay different wages by the hour, our wage calculator compares hourly job offers side by side on after-tax rates.
Budgeting on Take-Home Pay: A Simple 50/30/20 Split
Budgets built on gross pay always fail, because the money that reaches your account is your take-home pay. A common starting split is 50% of take-home for needs (rent, groceries, bills), 30% for wants, and 20% for savings and debt repayment. On an Ontario take-home of $46,843 a year, that is about $3,903.58 a month: roughly $1,951.79 for needs, $1,171.07 for wants, and $780.72 for savings. Adjust the percentages to your city, but always run them on the take-home figure from the calculator, not on your salary.
Working Backwards: What Salary Do You Need?
Sometimes the question runs the other way: you know the take-home pay you need each month, and you want the gross salary that produces it. Because tax rises in steps, you cannot just add a flat percentage. Our reverse salary calculator solves it directly: enter the take-home pay you want, and it works out the gross salary required in your province for 2026. If part of your take-home should go to retirement automatically, a payroll RRSP contribution cuts the tax withheld on every paycheck — see the RRSP payroll deduction calculator.
Sources and Last Checked
The figures on this page use the Canada Revenue Agency’s 2026 payroll deduction formulas (T4127) and the 2026 federal and provincial basic personal amounts published in the CRA’s T4032 tables and provincial TD1 forms. Rates and amounts were last checked against those official sources in October 2026. See our sources and methodology page for the full list of references.
Frequently asked questions
How is take-home pay different from gross pay?
Gross pay is what you earn before anything is taken out. Take-home pay is what is left after federal tax, provincial tax, CPP/QPP, and EI/QPIP are deducted, the amount actually deposited into your bank account.
Why does my take-home pay change from paycheque to paycheque?
If your pay includes overtime, bonuses, or variable hours, your gross pay changes, which changes your deductions and net pay. CPP and EI also stop being deducted once you hit the annual maximum, which can increase your take-home pay later in the year.
Does take-home pay differ by province?
Yes. Federal tax is the same everywhere, but provincial tax rates and basic personal amounts vary, so the same salary results in different take-home pay depending on where you live.
Is take-home pay the same as net pay?
Yes, these terms are used interchangeably. Both refer to your earnings after all deductions.
Why might my actual paycheque differ from this estimate?
This calculator assumes a standard basic personal amount and no extra deductions unless you enter them under Advanced options. Your actual pay stub may include union dues, benefit premiums, or a different TD1 claim amount that changes the result slightly.
Can I calculate take-home pay for an hourly wage?
Yes, switch “I am paid” to “An hourly wage” and enter your rate and hours per week; the calculator converts it to an annual figure automatically.