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Canada Take-Home Pay Calculator (2026)

Enter your salary and province to see federal and provincial income tax, CPP/QPP and EI, and your net pay for any pay period — plus RRSP tax savings and a TFSA growth projection.

2026 rates — verified . Federal & provincial brackets, basic personal amounts, CPP/CPP2, EI, Quebec QPP/QPIP and Ontario surtax & Health Premium included. Excludes most credits beyond the basic personal amount. Estimates only — verify with the CRA / Revenu Québec.

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Province / territoryWhere you live on Dec 31.

Annual gross incomeEmployment income before deductions.

Show pay asSplits net pay across the year.

RRSP contribution (optional)Lowers taxable income — we show the tax saving.

Your 2026 take-home pay

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Net pay (annual)

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per month

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Average tax rate

Gross income	–
Federal income tax	–
Provincial income tax	–
CPP contributions	–
EI premiums	–
QPIP premiums (QC)	–
Net (take-home) pay	–

Put your RRSP/TFSA money to work

Compare Canada’s low-fee investing & robo-advisor accounts. (Affiliate placeholder.)

See low-fee accounts →

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TFSA growth projection

Tax-free — no tax on TFSA growth or withdrawals.

Starting balance

Annual contribution

Years

Expected annual return (%)

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How take-home pay is calculated

Your net pay is your gross income minus four deductions: federal income tax, provincial/territorial income tax, CPP (or QPP in Quebec) and EI. Quebec residents also pay QPIP and a lower EI rate, and federal tax is reduced by the 16.5% Quebec abatement.

2026 CPP and EI

CPP: 5.95% between the $3,500 exemption and the $74,600 YMPE, plus 4% (CPP2) up to the $85,000 YAMPE.
EI: 1.63% up to $68,900 (max ~$1,123); Quebec pays 1.30% plus QPIP.

FAQ

Why does my employer deduct a different amount?

Payroll uses period-based CRA formulas and may apply other credits. This tool estimates your full-year position.