Compute Canadian take-home pay across all provinces and territories.
Net annual take-home
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Federal tax
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Provincial tax
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CPP + CPP2
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EI
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Your breakdown
Updates live as you type| Item | Amount (CAD) |
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Worked example
Take an $80,000 salary in Ontario for 2026. Federal tax starts at 15 percent on the first $55,867 and 20.5 percent on the rest, then the Basic Personal Amount ($16,129) is applied as a 15 percent non-refundable credit, leaving about $10,908. Ontario tax runs 5.05 percent to $51,446 and 9.15 percent above, less its own BPA credit, landing near $4,585. CPP takes 5.95 percent of pensionable earnings ($80,000 capped at the $71,300 YMPE, minus the $3,500 exemption) plus CPP2 at 4 percent on the band from $71,300 to $80,000, totalling $4,382. EI is 1.64 percent of insurable earnings up to $64,500, so $1,058. Subtract all four from gross and net take-home is about $59,068, or roughly $4,922 a month.
How it is calculated
The tool layers four deductions on top of gross pay. Federal and provincial income tax are both progressive, so each bracket rate applies only to the income inside that band, not to your whole salary. The Basic Personal Amount is handled as a credit at the lowest bracket rate rather than as a simple deduction, which matches how the CRA actually computes tax payable. CPP has two tiers in 2026: the base 5.95 percent up to the $71,300 ceiling, then CPP2 at 4 percent on earnings between $71,300 and the $81,200 YAMPE. EI is a flat 1.64 percent up to the $64,500 insurable maximum. Quebec is handled separately because it collects QPP, QPIP, and a federal abatement instead of the standard CPP and EI mix.