Take-Home Pay Calculator — Canada (2026)

What's deducted from a Canadian paycheque

Your gross salary isn't what lands in your bank account. Four deductions come off first: federal income tax, provincial income tax, CPP, and EI. This calculator estimates each for 2026 and shows your real take-home at the pay frequency you choose.

CPP and EI in 2026

CPP is 5.95% of pensionable earnings between $3,500 and $74,600, maxing out at $4,230.45 (plus a small CPP2 layer up to $85,000). EI is 1.64% of insurable earnings up to $68,900, capped at $1,123.07. Once you hit these maximums during the year, those deductions stop — so later paycheques can be slightly larger.

Lowering your tax with RRSP

Add an RRSP contribution above and watch your tax fall — every dollar contributed comes off your taxable income. Whether RRSP or TFSA suits you better depends on your bracket; see our comparison.

Estimate only

This is a simplified estimate using the basic personal amount and standard CPP/EI rates. Your actual paycheque may differ with additional credits, benefits, pension adjustments or taxable benefits. Your employer's payroll or the CRA's PDOC gives the official figure.

This calculator provides estimates for general information only and is not financial or tax advice. See our disclaimer.