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See exactly what’s deducted from your paycheque — federal tax, provincial tax, CPP/CPP2, EI — broken out line by line, for any province and pay frequency. Independent calculator built on official 2026 CRA formulas. Not affiliated with the CRA.
+ Advanced options (overtime, bonus)
Independent estimate based on 2026 CRA federal/provincial payroll formulas, Revenu Québec figures, and published CPP/CPP2/QPP/QPP2, EI and QPIP rates. Not affiliated with the Canada Revenue Agency or the Government of Canada. Actual payroll may differ based on your employer’s specific deductions, benefits, TD1 claim amounts, and other factors. This tool does not constitute tax or financial advice.
The five payroll deductions, explained
Every Canadian paycheque (outside Quebec) runs through the same five deductions, applied to your gross pay in this order:
- Federal income tax — progressive brackets from 14% to 33%, the same nationwide
- Provincial or territorial income tax — each province sets its own brackets and basic personal amount
- CPP (Canada Pension Plan) — 5.95% on earnings between $3,500 and $74,600
- CPP2 — an additional 4% on earnings between $74,600 and $85,000
- EI (Employment Insurance) — 1.63% on insurable earnings up to $68,900
- Federal tax: $9,267.73
- Ontario tax: $3,997.02
- CPP: $4,230.45
- CPP2: $16.00
- EI: $1,123.07
Quebec residents see a different set: Quebec provincial tax, a federal tax abatement, QPP/QPP2 instead of CPP, and EI plus QPIP instead of EI alone — see our Quebec paycheck calculator for the full breakdown.
Worked example: $75,000 salary, Ontario, biweekly
Change the province, income, or pay frequency in the calculator above to see your own breakdown.
Employer vs. employee deductions
The figures above are what’s deducted from your paycheque as an employee. Your employer separately contributes matching CPP (5.95%/4% CPP2) plus EI at 1.4× the employee rate (2.282% outside Quebec) on your behalf — these employer contributions don’t reduce your paycheque, but they’re a real cost your employer bears for employing you.
Frequently asked questions
Is this the same as the CRA’s Payroll Deductions Online Calculator?
No. This is an independent tool built using the same published 2026 CRA tax brackets and formulas, but it is not the CRA’s official PDOC tool and is not affiliated with the Canada Revenue Agency. For payroll remittance purposes, employers should use the CRA’s own official calculator.
Why don’t my deductions match this exactly?
This calculator assumes the standard basic personal amount and no additional deductions. Your actual paycheque may differ if you have a different TD1 claim amount, employer benefit deductions, RRSP contributions, or other adjustments.
What’s the difference between CPP and CPP2?
CPP is the base contribution (5.95%) on earnings up to $74,600. CPP2 is a separate, additional contribution (4%) that only applies to earnings between $74,600 and $85,000 — introduced in 2024 to gradually increase retirement benefits for higher earners.
Related calculators
Canada Paycheck Calculator · CPP Calculator · Ontario Paycheck Calculator