Raise Calculator
How much of a $10,000 raise do I actually keep in Canada?
Moving from $75,000 to $85,000 in Canada is a $10,000 raise. Estimated extra take-home is $6,753.60 a year, or $562.80 a month (67.5% of the raise), using 2026 payroll rules.
- Gross annual raise
- $10,000.00
- Net annual increase
- $6,753.60
- Monthly increase
- $562.80
- Biweekly increase
- $259.75
- Share of raise kept
- 67.5%
Tax year: 2026 Canada Last updated: September 5, 2026 Methodology
Source: T4032-OC Payroll Deductions Tables – CPP, EI, and income tax deductions – In Canada beyond the limits of any province/territory or outside Canada (January 1, 2026); TD1 2026 Personal Tax Credits Return
A raise increases gross pay, but not dollar-for-dollar in your bank account. This calculator runs the payroll engine on your current salary and your new salary, then shows the extra take-home by month, biweekly cheque, and week.
How much of the raise you keep
$6,753.60
67.5% of the $10,000.00 gross raise remains after estimated payroll deductions.
Gross annual raise
$10,000.00
Net annual raise
$6,753.60
Extra monthly take-home
$562.80
Extra biweekly take-home
$259.75
Extra weekly take-home
$129.88
Percentage of raise kept
67.5%
Before and after
| Metric | Before | After | Difference |
|---|---|---|---|
| Gross salary | $75,000.00 | $85,000.00 | $10,000.00 |
| Income tax | $12,704.19 | $15,550.59 | $2,846.40 |
| CPP / CPP2 | $4,246.45 | $4,646.45 | $400.00 |
| EI | $1,123.07 | $1,123.07 | $0.00 |
| Net annual pay | $56,926.29 | $63,679.89 | $6,753.60 |
| Net monthly pay | $4,743.86 | $5,306.66 | $562.80 |
| Net biweekly pay | $2,189.47 | $2,449.23 | $259.76 |
Results are estimates for a full-year employee claiming the basic personal amount. They are not a pay stub, tax advice, or an official CRA or Revenu Québec calculation. Employer withholding on a single cheque can differ from this annual estimate.
How the net raise is calculated
Net raise is estimated annual take-home on the new salary minus take-home on the current salary. Extra monthly, biweekly, and weekly amounts divide that annual difference by 12, 26, and 52.
Why you do not keep 100%
The extra income can attract more federal and provincial tax. If you are still below the ceilings, CPP or QPP and EI (and QPIP in Quebec) can also rise. Crossing a bracket or the CPP2 threshold changes the share you keep.
Example: $75,000 to $85,000
Moving from $75,000 to $85,000 is a $10,000.00 raise. Estimated extra take-home is $6,753.60 a year ($562.80 a month), or 67.5% of the raise.
| Metric | Before | After |
|---|---|---|
| Gross salary | $75,000.00 | $85,000.00 |
| Net annual pay | $56,926.29 | $63,679.89 |
| Income tax | $12,704.19 | $15,550.59 |
| Monthly net | $4,743.86 | $5,306.66 |
| Biweekly net | $2,189.47 | $2,449.23 |
| Net raise | $6,753.60 a year (67.5% kept) | |
Raise calculator by province
- Alberta raise calculator
- British Columbia raise calculator
- Manitoba raise calculator
- New Brunswick raise calculator
- Newfoundland and Labrador raise calculator
- Nova Scotia raise calculator
- Ontario raise calculator
- Prince Edward Island raise calculator
- Quebec raise calculator
- Saskatchewan raise calculator
- Northwest Territories raise calculator
- Nunavut raise calculator
- Yukon raise calculator
Frequently asked questions
How much of my raise do I keep in Canada?
On the $75,000 to $85,000 example, estimated extra take-home is $6,753.60 a year (67.5% of the $10,000 raise).
What is the monthly net increase?
Estimated extra monthly take-home is $562.80 on that $10,000 raise example.
What is the biweekly net increase?
Estimated extra biweekly take-home is $259.75, which is the annual net increase divided by 26.
Does a raise change CPP or EI?
It can, until the annual maximums are reached. Crossing a bracket or the CPP2/QPP2 range also changes the share you keep. The before/after table already includes those ceilings.
How much of my raise will I actually keep?
The keep percentage is net raise divided by gross raise. It is based on two annual payroll estimates, not a single marginal rate applied to the raise.
Can I enter a raise as a percentage?
Yes. Choose Raise % and the calculator converts it into a new annual salary before running the comparison.
Is this the same as a bonus calculator?
A raise changes ongoing salary. A bonus is usually a one-time amount added to this year’s income. Use the bonus tax calculator for that case.