Paycheque calculator (Canada)
Enter your pay, how often you are paid and your province. You get your take-home pay for each paycheque and for the year, with tax, CPP and EI shown line by line.
Free · no signup Runs in your browser
Working with a different rate? Edit the rates this calculator uses
These are the figures we verified on 2026-10-25. Change them to work with a historic period, or with a new rate that has been announced but which we have not published yet.
Resets to the selected province's verified amount when you change province.
Also the rate at which the basic personal amount and other credits are worth money.
From the CRA payroll tables for 2026. Change it to try another year.
How do I work out my take-home pay each paycheque?
Start with your gross pay for the year, take off federal and provincial income tax, Canada Pension Plan (CPP) contributions and Employment Insurance (EI) premiums, then divide by the number of paycheques. For $80,000 a year in Ontario, tax is about $14,128, CPP and CPP2 are $4,446 and EI is $1,123, which leaves about $60,303 a year, or $2,319 every two weeks from a gross of $3,077. The calculator does this for any pay, any province or territory except Quebec, and any pay frequency.
Why we built this calculator
What matters on payday is not the salary in the job offer but the number that lands in the bank account. The gap between the two is tax, CPP and EI, and it changes with the province, the pay frequency and any deduction taken at source. Many online paycheque calculators are American, work in the wrong tax system or leave out things Canadian payroll includes, such as the Ontario surtax and health premium, the second CPP contribution, or the credit the federal government gives for CPP and EI. This one uses the 2026 CRA figures, shows each deduction on its own line for one paycheque and for the year, and lets you try a pre-tax RRSP or pension deduction to see what it really costs you after tax.
Everything is worked out in your browser. Nothing you enter is sent anywhere.
How it works
The tool first works out your gross pay for the year: your salary, or your hourly wage times the hours you work each week times 52. CPP is charged at 5.95% on earnings between $3,500 and the $74,600 maximum (a yearly maximum of $4,230.45), CPP2 at 4% on earnings between $74,600 and $85,000 (up to $416), and EI at 1.63% on earnings up to $68,900 (up to $1,123.07). Pre-tax deductions, such as an RRSP contribution or pension plan deduction taken from each paycheque, reduce the income that is taxed, but not the income CPP and EI are charged on. Federal and provincial income tax are worked out on taxable income band by band, less the basic personal amount, the Canada employment amount and the credits for the base part of CPP and for EI, and the enhanced part of CPP is deducted from income. Ontario adds its surtax and health premium. The yearly totals are divided by the number of paycheques to give each line for one paycheque. The calculation is the same as the one in our income tax calculator.
How to use it
- Choose whether you know a yearly salary or an hourly wage, and enter it. For an hourly wage, enter your usual hours a week.
- Choose how often you are paid: weekly, every two weeks, twice a month or monthly.
- Choose your province or territory. Quebec is not covered because it has its own income tax, QPP and QPIP.
- Add any pre-tax deduction per paycheque (such as an RRSP contribution through payroll) and any after-tax deduction.
- Read the take-home pay for one paycheque, then compare scenarios: a raise, a different province or a bigger RRSP contribution.
Pay frequencies
The number of paycheques a year affects how each one looks, not what you earn over the year.
| Frequency | Paycheques a year | Gross for a $78,000 salary |
|---|---|---|
| Weekly | 52 | $1,500.00 |
| Every two weeks (biweekly) | 26 | $3,000.00 |
| Twice a month (semi-monthly) | 24 | $3,250.00 |
| Monthly | 12 | $6,500.00 |
Use cases
- Comparing a job offer with your current pay, in dollars you actually receive
- Planning a budget around the amount you will see in each paycheque
- Seeing what an RRSP contribution through payroll costs after tax
- Checking a paystub against what the calculation says
- Moving to another province and wanting to compare take-home pay
- Turning an hourly wage into a per-paycheque figure
Problems you may run into
Most differences from a paystub have one of a few causes.
| What you see | Likely cause | What to do |
|---|---|---|
| My paystub is a few dollars different | Payroll software applies the CRA formula to each paycheque, and this works on the whole year | A small difference is normal; large ones usually mean a different tax claim code, a benefit or a bonus |
| My paycheques get bigger late in the year | CPP and EI stop once you reach their yearly maximums | That is expected for higher earners; the yearly figure above is the one to compare |
| I live in Quebec | Quebec has its own income tax, QPP and QPIP | This tool does not cover Quebec on purpose |
| Bonuses and overtime | They are taxed together with the rest of your pay in the year | Add them to the yearly pay; payroll may withhold more tax on a bonus at the time |
| Benefits and union dues | They are not included unless you enter them | Enter them as pre-tax or after-tax deductions |
| The take-home looks high or low | Other credits you claim are not included | This models the basic credits only; see the notes under the result |
What this does not include
The calculation covers employment income with the basic personal amount, the Canada employment amount, CPP, CPP2 and EI. It does not include other credits or deductions you might claim on your tax return (tuition, medical expenses, childcare, spousal or dependant credits), taxable benefits, a second job, or Quebec. Your actual tax is settled when you file your return, and your employer's payroll follows the TD1 forms you give them. This is an estimate, not tax advice.
The formula
How the answer is worked out.
CPP = min( max(0, min(income, 74,600) − 3,500) × 5.95%, 4,230.45 )CPP2 = min( max(0, min(income, 85,000) − 74,600) × 4%, 416 )EI = min( min(income, 68,900) × 1.63%, 1,123.07 )base CPP = CPP × 4.95 ÷ 5.95 (earns a credit); the rest of CPP and all of CPP2 are deductedtaxable = income − (CPP − base CPP) − CPP2federal tax = banded(taxable, federal brackets)− 14% × (basic personal amount + employment amount $1,501 + base CPP + EI)provincial = banded(taxable, provincial brackets)− lowest provincial rate × (provincial BPA + base CPP + EI) (Yukon also: + employment amount)Ontario only:surtax = 0.20 × max(0, ONtax − 5,818) + 0.36 × max(0, ONtax − 7,446)health = six-tier table on taxable income, capped at $900take-home = income − federal − provincial − CPP − CPP2 − EI2026 federal brackets:14% up to $58,52320.5% to $117,04526% to $181,44029% to $258,48233% above
Uses the same 2026 figures as the income tax calculator (the CRA's current tax rates, CPP, CPP2 and EI amounts and the payroll formulas). Figures are worked out for the full year and divided by the number of paycheques.
Example: $80,000 in Ontario, paid every two weeks
Salary $80,000, no pre-tax deductions.
- Gross each paycheque$80,000 ÷ 26 = $3,076.92
- Income tax (federal and Ontario)$14,127.85 ÷ 26 = $543.38
- CPP and CPP2($4,230.45 + $216.00) ÷ 26 = $171.02
- EI$1,123.07 ÷ 26 = $43.20
Take-home about $2,319.33 each paycheque ($60,302.63 a year)
A $200 pre-tax RRSP deduction each paycheque lowers the tax, so your take-home falls by less than $200.
Terms on this page
- Gross pay
- Pay before any deductions.
- Net pay
- Take-home pay: what is left after tax, CPP, EI and other deductions.
- Pre-tax deduction
- An amount taken from pay before income tax is worked out, such as an RRSP or pension contribution.
What has changed, and when
Rates on this page have not always been what they are today. If you are working on an earlier period, use the figure that applied at the time rather than the current one.
- Oct 2026 Built on the same 2026 figures as the income tax calculator, including CPP2 and the Canada employment amount.
Common questions
How much of my paycheque goes to tax?
It depends on your pay and province. At $80,000 in Ontario, about 17.7% goes to income tax and about 24.6% in all with CPP and EI.
Why is my paystub different from the calculator?
Payroll applies the CRA formulas to each paycheque and uses your TD1 claim codes; this works on the whole year with the basic credits.
Does an RRSP deduction through payroll lower my tax?
Yes. It reduces the income that is taxed, but not the income CPP and EI are charged on.
Does it cover Quebec?
No. Quebec has its own income tax, QPP and QPIP.
Which year are the rates for?
2026.
Is my information stored?
No.
Is anything I enter sent to a server?
No. The calculation happens in your browser and nothing you type leaves your device.
What to work out next
Where these numbers come from
- Canada Revenue Agency — Current year tax rates and income brackets (2026) Federal and provincial bracket tables for 2026, including the reduced 14% lowest federal rate.
- Canada Revenue Agency — CPP contribution rates, maximums and exemptions The 2026 YMPE of $74,600, the $3,500 exemption, the 5.95% rate and the $4,230.45 maximum.
- Canada Revenue Agency — T4032 Payroll Deductions Tables, Ontario Basic personal amounts, EI rates, and the Ontario surtax and health premium tables.
- Canada Revenue Agency — Second additional CPP (CPP2) contribution rates and maximums The 2026 CPP2 rate of 4%, the $85,000 ceiling and the $416 maximum.
- Canada Revenue Agency — Payroll Deductions Formulas (T4127), 122nd edition The credits for base CPP and EI, the Canada employment amount and the provincial equivalents.
- Canada Revenue Agency — Indexation adjustment for personal income tax and benefit amounts The 2026 Canada employment amount of $1,501; page dated March 12, 2026.
Last verified 2026-10-25 Rates on this page are checked against the sources above at least once a year, and whenever the governing authority announces a change. Spotted something out of date? Tell us and we will fix it.
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