Enter your salary and province. Get your exact take-home pay with every deduction broken down.
Estimates based on 2026 federal and provincial tax rates. Your actual deductions may vary depending on tax credits and employer arrangements.
Every salaried Canadian employee has three mandatory payroll deductions: federal income tax, provincial income tax, and CPP contributions. Most also pay EI premiums. Your employer withholds these and remits them to the CRA on your behalf throughout the year.
The 2026 CPP contribution rate is 5.95% on earnings between $3,500 and $68,500. EI is 1.66% on insurable earnings up to $63,200. Both are subject to annual maximum contributions.
This calculator estimates standard deductions. Your actual paycheque differs if you have union dues, benefits premiums, parking deductions, RRSP contributions, or if you submitted a TD1 form claiming additional tax credits. The calculator is most accurate for salaried employees with no additional deductions.
RRSP contributions reduce your taxable income and can increase your monthly take-home if you adjust your TD1 with your employer. You can also check if you qualify for additional credits like disability, caregiver, or tuition credits that reduce withholding.
CPP2 is the second earnings ceiling introduced in 2024. For 2026, CPP2 applies to earnings between $68,500 and $73,200 at a rate of 4%. Higher earners see an additional CPP2 deduction not included in this calculator's base estimate.
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