Canada take-home pay calculator, 2026

Federal and provincial tax, CPP, CPP2 and EI for a salary or an hourly wage, in every province and territory except Quebec.

Province or territory (Quebec is not covered)

Pay is entered as

Pay frequency

Annual salary ($) Which formulas apply to the paycheck

Uses the basic personal amounts only, which is the default when no TD1 claims are made.

How this is calculated

Two views of the same pay

The yearly figures treat the whole year as one pay period, using the full-year constants. The paycheck table applies the payroll formulas in T4127 to one pay date (the first of the year, with nothing deducted yet) and then adds up every paycheck in the year, stopping CPP, CPP2 and EI when each reaches its yearly maximum.

Federal and provincial income tax

CRA's T4127 Payroll Deductions Formulas (Option 1). Tax on annual taxable income A is the bracket rate times A, less the bracket constant, less credits at the lowest rate for the basic personal amount, for CPP and EI, and for the Canada employment amount of $1,501. The federal basic personal amount is $16,452, and it falls to $14,829 for net incomes between $181,440 and $258,482. Provinces and territories use their own brackets and basic personal amounts. Ontario adds a surtax and the Ontario Health Premium, British Columbia a tax reduction, and Alberta a supplemental credit.

CPP, CPP2 and EI

CPP is 5.95% of pay between $3,500 and $74,600, to a maximum of $4,230.45. CPP2 is 4% of pay between $74,600 and $85,000, to a maximum of $416.00. EI is 1.63% of insurable pay up to $68,900, to a maximum of $1,123.07. The enhanced part of CPP and all of CPP2 reduce the income that is taxed, and base CPP and EI earn a credit. See the CPP, EI and income tax guide.

Which formulas

T4127 has a January 2026 edition (122nd) and a July 2026 edition (123rd). The choice above decides which one the first paycheck uses. In the yearly figures the full-year constants are used. The figures are based on CRA T4127, July 2026 edition.

Hourly pay

The yearly income is the hourly wage times the hours per week times 52 weeks.

Not included

Quebec, TD1 claims beyond the basic personal amounts, RRSP and other deductions, dependants, bonuses, retroactive pay and commissions, and benefits or pension contributions. Results can differ by a few cents from payroll software, which may round differently.

Worked examples: take-home pay on $60,000, $80,000 and $100,000 by province.

This calculator is general information, not tax, legal or financial advice. It uses the CRA and Ontario pages listed on the Sources page, and your pay stub, employment contract or tax return may differ. Rates as at November 1, 2026.