Take-Home Pay Calculator
Take-Home Pay Calculator — what does this estimate?
Take-home pay is what remains after payroll deductions. Use this calculator when you care about net income, not the tax-bracket headline rate.
- Payroll year
- 2026
- Federal formula
- CRA T4127 Option 1
- Claim code used
- 1 (basic personal amount)
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
Take-home pay is what remains after payroll deductions. Use this calculator when you care about net income, not the tax-bracket headline rate.
Gross salary is not take-home
An $80,000 offer is not $80,000 in your bank account. Federal tax, provincial tax, and CPP/EI come off first. The effective tax rate on this site is estimated income tax divided by gross salary — it does not include CPP and EI, which are contributions rather than income tax.
Why take-home changes by province
Federal tax, CPP, and EI (outside Quebec) are national. Provincial brackets, basic personal amounts, and extras such as Ontario’s Health Premium change the provincial line. Quebec replaces CPP with QPP and adds QPIP.
Province paycheck calculators
- Alberta paycheck calculator
- British Columbia paycheck calculator
- Manitoba paycheck calculator
- New Brunswick paycheck calculator
- Newfoundland and Labrador paycheck calculator
- Nova Scotia paycheck calculator
- Ontario paycheck calculator
- Prince Edward Island paycheck calculator
- Quebec paycheck calculator
- Saskatchewan paycheck calculator
- Northwest Territories paycheck calculator
- Nunavut paycheck calculator
- Yukon paycheck calculator
Frequently asked questions
Does take-home include CPP and EI?
Yes. Those contributions reduce the deposit even though they are not income tax. The effective tax rate shown here is income tax only.