Canada take-home pay calculator
Federal and provincial income tax, CPP and EI taken out of a Canadian salary, for every province and territory except Quebec and Manitoba, with pay per month and fortnight.
An estimate for the 2026 tax year for an employee outside Quebec and Manitoba. It uses the basic personal amount, the Canada employment amount and CPP and EI credits. It leaves out the Ontario Health Premium, other credits, deductions, benefits, pension plans and union dues. Check the CRA for current figures.
How this calculator works
Income tax is worked out in slices. Federal rates for 2026 are 14%, 20.5%, 26%, 29% and 33%, and each province or territory adds its own slices on top. Credits reduce the tax: the basic personal amount ($16,452 federally), the Canada employment amount ($1,501), and CPP and EI contributions, each valued at the lowest rate. The enhanced part of CPP is deducted from income instead. CPP is 5.95% of earnings between $3,500 and $74,600, plus 4% on earnings from $74,600 to $85,000 (CPP2), and EI is 1.63% of earnings up to $68,900.
Worked example: on $85,000 in Ontario, federal tax is $10,226.60 and Ontario tax is $4,574.46. CPP is $4,646.45 and EI is $1,123.07. Take-home pay is $64,429.43 a year, or about $5,369 a month. In Alberta the same salary takes home about $5,336 a month.
Sources and checks
Our figures and rules follow these official sources:
- CRA: Tax rates and income brackets (2026)
- CRA: Payroll Deductions Formulas, 122nd edition (January 2026)
- CRA: CPP contribution rates, maximums and exemptions
- CRA: Second additional CPP (CPP2) contribution rates and maximums
- CRA: EI premium rates and maximums
Quebec and Manitoba are not covered. The Ontario Health Premium and other credits are not included.
Figures last checked: 30 October 2026. Spotted a mistake? Tell us.