Take-Home Pay Calculator Canada 2025

No fee everyday banking

Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.

See how it works

All provinces • Hourly to annual • CPP, EI & income tax deductions • 2025 rates

Enter your salary or hourly wage to instantly see your net take-home pay after all deductions — federal tax, provincial tax, CPP contributions, and EI premiums.

Take-Home Pay Calculator

Income Amount ($)

Pay Period

Province

Hours per Week (if hourly)

Understanding Your Pay Stub Deductions

Federal Income Tax: Based on 2025 progressive brackets (15%–33%)
Provincial Income Tax: Varies by province (4%–21% depending on income and province)
CPP: 5.95% on earnings between $3,500–$68,500
EI: 1.66% on insurable earnings up to $63,200

Your employer also pays matching CPP contributions and 1.4x your EI premium — these don't come off your paycheque but are a real cost of employing you.

Free Banking to Help You Reach Your Financial Goals

Once you know your numbers, start acting on them. KOHO offers free banking with no monthly fees. Use code BREMO2026 for a bonus when you open your account.

Open KOHO Free — Code BREMO2026