Canadian salary gross-to-net across pay frequencies.
Net annual
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Net monthly
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Net biweekly
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Net weekly
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Your breakdown
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Frequency
Net pay (CAD)
Worked example
Take an $80,000 gross salary in Ontario for 2026. After subtracting the federal Basic Personal Amount, federal income tax works out to about $10,021, and Ontario tax after its own personal amount is about $4,076. CPP and CPP2 together take $4,382 (5.95 percent on pensionable earnings to the $71,300 ceiling, plus 4 percent on the slice up to $80,000), and EI takes $1,058 at 1.64 percent on insurable earnings to $64,500. Deducting all four from the $80,000 leaves net annual pay of about $60,463. Dividing by pay frequency gives roughly $5,039 a month, $2,326 every two weeks on a 26-period schedule, or $1,163 a week. The pay-frequency split is the same net amount sliced different ways for budgeting.
How it is calculated
Gross-to-net layers the same four payroll deductions used by the take-home pay tool, then expresses the result across pay frequencies. Federal and provincial income tax are progressive, so each bracket rate applies only to income within that band, and the Basic Personal Amount shelters the first slice. CPP runs at 5.95 percent up to the $71,300 ceiling, with CPP2 adding 4 percent between $71,300 and the $81,200 YAMPE. EI is 1.64 percent up to the $64,500 insurable maximum. The net figure is then divided by 12 for monthly, 26 for bi-weekly, and 52 for weekly. Real pay stubs prorate these deductions each period and stop CPP and EI once the annual caps are hit, so early-year cheques can be slightly smaller than the even split shown here.
Frequently asked questions
Difference from take-home pay calculator?
Same math, this one shows different pay frequency breakdowns (weekly/biweekly/monthly/annual) for easier budgeting.
How is CPP calculated on my salary?
CPP contributions for 2026 are 5.95% on pensionable earnings between the $3,500 basic exemption and the $71,300 yearly maximum pensionable earnings. A second-tier CPP2 contribution of 4% applies to earnings between $71,300 and the $81,200 YAMPE. Once your earnings hit those ceilings during the year, deductions stop.
What is the federal basic personal amount for 2026?
The federal basic personal amount for 2026 is $16,129, meaning the first $16,129 of your income is effectively tax-free at the federal level. Each province also has its own basic personal amount that reduces provincial income tax. These amounts are indexed to inflation each year by the CRA.
Why does net pay differ between provinces on the same salary?
Each province sets its own tax brackets, rates, and basic personal amount independently of the federal government. Quebec also levies its own QPP and QPIP premiums instead of the standard CPP and EI rates. As a result, two employees earning the same gross salary in different provinces can have noticeably different take-home amounts.