Take-home pay calculator Canada
Estimate net pay from salary or wages after Canadian payroll deductions.
Estimate net pay from salary or wages after Canadian payroll deductions.
Estimate net pay from salary or wages after Canadian payroll deductions.
See your 2026 take-home pay per pay-cheque after federal tax, provincial tax, CPP, CPP2, and EI. Built on official CRA brackets and Service Canada contribution rates — the same numbers your employer's payroll system uses.
Per cheque (26/yr)
$2,094
Gross per cheque: $2,692
Net annual
$54,449
Effective deduction rate: 22.2%
Annual deduction breakdown
| Federal tax | $7,497 |
| Provincial tax | $3,007 |
| CPP + CPP2 | $3,957 |
| EI premium | $1,091 |
| Total deductions | $15,551 |
Your gross salary is what your offer letter says. Your take-home pay is what hits your bank account. The gap is federal tax, provincial tax, CPP and CPP2 contributions, and EI premiums — all four are mandatory and your employer withholds them on every pay-cheque. Add RRSP contributions, group benefits, or pension contributions and the gap widens further.
Bi-weekly is the most common Canadian pay frequency — 26 cheques a year. Semi-monthly is 24 cheques and is more common for salaried roles in finance and tech. The annual numbers are identical; the per-cheque amount just differs.
For tax-only numbers without payroll deductions, use the income tax calculator. To see your top tax bracket only, use the marginal tax calculator. For a full hourly-to-annual conversion (good for contractors), see the hourly-to-salary calculator.
The base CPP contribution rate is 5.95% on income between $3,500 and $71,300 (Year's Maximum Pensionable Earnings). New since 2024, CPP2 adds 4% on income between $71,300 and $81,200 (the Year's Additional Maximum Pensionable Earnings). Your employer matches your contribution dollar-for-dollar — so the true cost of CPP to your compensation is double what's withheld.
The federal EI rate is 1.66% on insurable earnings up to $65,700, capped at $1,090.62/year. Quebec residents pay only 1.31% because the Quebec Parental Insurance Plan (QPIP) handles maternity and parental benefits separately.