Take-home pay calculator Canada 2026

From gross salary to take-home pay

Gross pay is your earnings before deductions. This calculator estimates federal and provincial income tax, CPP or QPP, second additional pension contributions, EI and, in Quebec, QPIP. Ontario health premiums and the employee payroll tax in the Northwest Territories and Nunavut are included.

It assumes employment throughout 2026, age 18–64, one employer, and work and residence in the selected province. It applies the basic personal credits and Canada employment amount, plus Quebec’s worker deduction and federal abatement where applicable. No spouse or dependant credits are assumed.

Why a paycheque can look different

The displayed pay-period amount is the annual estimate divided by your chosen frequency. Actual withholding changes during the year, particularly after CPP and EI maximums are reached. Employer benefits, pension plans, union dues, RRSP deductions, bonuses, overtime premiums and taxable benefits are not included. Refundable benefits and extra credits or reductions claimed on a tax return are also excluded. This is a budgeting estimate, not a tax-return calculation.

For hourly pay, paid hours × paid weeks × hourly rate gives annual gross earnings. Use fewer paid weeks if you take unpaid time off. Vacation pay paid on top of your wage must be added to your annual earnings separately.

2026 rules used

The calculation uses full-year rates, including the July updates for British Columbia, Newfoundland and Labrador, and Prince Edward Island. It does not apply the temporary catch-up withholding rates to the entire year.

Sources: CRA 2026 formulas, CRA July updates, Revenu Québec 2026 amounts, NWT payroll tax and Nunavut payroll tax.

Common questions