Your salary is not your paycheque. Federal and provincial tax, CPP, and EI all come off before the money reaches your account — and the amount depends on your province. Enter your gross salary to see exactly what lands in your bank account, per paycheque, and what an RRSP contribution does to it.
Calculate your take-home pay
Enter your province and salary and press “Calculate my take-home pay”.
CPP, EI and QPIP are calculated on your gross salary. In Quebec, QPP replaces CPP and QPIP applies. 2026 figures.
Take-home pay by province
See the same calculator pre-set to your province, with a take-home table at eight salary levels: Ontario · Quebec · British Columbia · Alberta · Manitoba · Saskatchewan · Nova Scotia · New Brunswick · Prince Edward Island · Newfoundland and Labrador.
How your paycheque is calculated
Income tax is calculated on your taxable income — your gross salary minus any RRSP contribution — using the 2026 federal and provincial brackets, with only the basic personal amount credit applied. The same 2026 tax engine powers our Marginal Tax Rate Calculator and Canadian Income Tax Calculator. Sales tax is separate. The GST/HST Calculator adds or removes GST, HST, PST and QST from any price, by province.
CPP comes off at 5.95% of earnings between $3,500 and $74,600 (maximum $4,230.45), plus a second CPP contribution of 4% on earnings from $74,600 to $85,000 (maximum $416). In Quebec, the QPP replaces CPP at 6.30% (maximum $4,479.30), with the same 4% second contribution. EI is 1.63% of insurable earnings to $68,900 (maximum $1,123.07), or 1.30% in Quebec (maximum $895.70), where the Quebec Parental Insurance Plan adds 0.430% to $103,000 (maximum $442.90).
An RRSP contribution lowers your taxable income, so it lowers your income tax — but the contribution itself still leaves your paycheque and goes into your RRSP. The calculator shows both: the tax you save, and the contribution as a deduction from your take-home pay.
General information only — not financial advice. Employment income only; income tax uses only the basic personal amount credit (no CPP/EI, age, pension or other credits, and the tax credits on CPP/QPP and EI contributions are not included, so the income tax shown is a little higher than a full tax return would give); CPP, EI and QPIP are calculated on your gross salary. Ontario Health Premium included for Ontario; 2026 figures, verified November 8, 2026. Excludes BC's tax reduction credit, which phases out by ~$45,000 of income.