How to use the take-home pay calculator
- 1 Enter your yearly salary before tax.
- 2 Choose your province or territory.
- 3 Choose how often you are paid.
- 4 Enter any group RRSP or pension percentage, then read your take-home pay.
Worked example
An Ontario employee earning $75,000, paid every two weeks. Gross pay is $2,884.62. Federal tax is about $318, Ontario tax about $171, CPP $163.33 and EI $43.20, leaving take-home pay of about $2,189 each pay, or about $56,926 a year.
Reading your paycheque
- Bigger cheques late in the year: CPP and EI stop once you reach the yearly maximums, so higher earners take home more in the last months.
- TD1 forms tell your employer which credits to apply; an out-of-date form can mean too much or too little tax.
- Benefits: group insurance, union dues and pension contributions also come off, and some taxable benefits are added to income.
- Two jobs: each employer applies the basic personal amount, so you may owe tax when you file.
See the full year with the Income Tax Calculator, and CPP and EI in detail with the CPP and EI Calculator.
Features
All payroll deductions
Federal tax, provincial tax, CPP, EI and QPIP in one table.
Every pay schedule
Weekly, biweekly, semi-monthly and monthly pay.
Group RRSP
Payroll RRSP or pension contributions reduce tax at source.
2026 maximums
CPP to $74,600 plus CPP2 to $85,000, and EI to $68,900.
When to use it
Job offers
Compare offers by real take-home pay, not salary. See the full year with the Income Tax Calculator.
Relocating
See how take-home pay changes between provinces. See deductions in detail with the CPP and EI Calculator.
Budgeting
Plan rent and bills around your actual paycheque. Lower tax with the RRSP Calculator.
Pension choices
See the effect of a bigger pension contribution on your pay. Paid hourly? Use the Hourly to Salary Calculator.
Related Pay and Salary tasks
Frequently asked questions
Why is my take-home pay higher later in the year?
Once you reach the CPP maximum of $4,230.45 (plus CPP2) and the EI maximum of $1,123.07, those deductions stop, so pay rises for the rest of the year.
Why is my paycheque different from this?
Payroll uses CRA formulas for each pay period and your TD1 claim amounts. Benefits, union dues and taxable benefits also change the figure.
How much is CPP in 2026?
5.95% on earnings between $3,500 and $74,600, plus 4% CPP2 on earnings from $74,600 to $85,000.
How much is EI in 2026?
1.63% of insurable earnings up to $68,900, or 1.30% in Quebec, where workers also pay QPIP.
Does a group RRSP lower tax right away?
Yes. Contributions through payroll are taken before tax is calculated, so you get the tax saving on each cheque instead of waiting for a refund.
How do I find my biweekly pay?
Divide yearly take-home pay by 26. There are 26 biweekly pays in most years, and 27 in some.
Is overtime taxed more?
Overtime is added to that pay period, so payroll may withhold more tax that week. Your final tax depends on your total yearly income.
Does my province change take-home pay much?
Yes. On the same salary, take-home pay is usually highest in Alberta, Nunavut and the other territories and lowest in Quebec and the Atlantic provinces, because provincial tax rates differ.
What is the TD1 form?
The TD1 tells your employer which tax credits to apply. Claiming the basic personal amount with two employers at once can mean too little tax is withheld and a bill at tax time.
Results are estimates based on the official rates linked above. Confirm important figures with the issuing authority or a qualified adviser before you act on them.
Built and reviewed by Hamza Farooq, founder and lead developer
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