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Canada Salary Calculator (Take-Home Pay 2026)
Estimate your 2026 take-home pay after federal and provincial income tax, CPP or QPP, EI and (in Quebec) QPIP. Free, no sign-up, and nothing you type is stored on our servers.
How to Work Out Your Take-Home Pay
Enter Your Salary
Type your gross employment income before tax, monthly or yearly, plus any yearly bonus.
Choose Your Province
Pick Ontario, Quebec, British Columbia or Alberta. Quebec uses QPP, QPIP and the lower EI rate.
See Your Take-Home
Get your net pay, federal tax by bracket, provincial tax and employer CPP and EI, then download a payslip.
Frequently Asked Questions
What are the federal tax brackets for 2026?
For 2026: 14% up to $58,523 of taxable income, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above. The lowest rate fell from 15% to 14% on 1 July 2025 (14.5% for the whole of 2025) and is 14% for 2026. The basic personal amount is $16,452, reduced gradually to $14,829 for net income between $181,440 and $258,482. Credits are worth 14% of the amounts.
How much are CPP and EI in 2026?
CPP is 5.95% of earnings between $3,500 and $74,600 (maximum $4,230.45), plus CPP2 of 4% between $74,600 and $85,000 (maximum $416). EI is 1.63% of earnings up to $68,900 (maximum $1,123.07). Your employer matches CPP and CPP2 and pays 1.4 times your EI premium. The enhanced part of CPP and all of CPP2 are deducted from income; the base part and EI give a 14% tax credit.
How is Quebec different?
In Quebec you pay QPP instead of CPP (6.3% between $3,500 and $74,600, maximum $4,479.30, plus QPP2 of 4% to $85,000), a lower EI rate of 1.30% (maximum $895.70) and QPIP parental insurance of 0.43% up to $103,000 (maximum $442.90). You file a separate Quebec return (14% to $54,345, 19% to $108,680, 24% to $132,245, 25.75% above, basic personal amount $18,952 and the 6% deduction for workers up to $1,450), and federal tax is cut by the 16.5% Quebec abatement. We assume base QPP, EI and QPIP premiums give no Quebec tax credit; we could not confirm this with Revenu Quebec, so check your TP-1 return.
Why might my pay stub be different?
This calculator estimates the tax you owe for the whole 2026 year with basic credits only. It is not a payroll (TD1) withholding calculation, so each pay can differ, especially if your pay changes during the year, you have more than one job or you claim other credits. RRSP or pension contributions, union dues, the Canada workers benefit, Ontario LIFT, GST/HST credit and other credits and benefits are not included. British Columbia uses its Budget 2026 rate of 5.60% for the whole year (payroll used 6.14% from July to catch up).
What changes are coming in 2027?
The federal government announced in April 2026 that it intends to cut the base CPP rate from 4.95% to 4.75% for employees and employers from 1 January 2027, and British Columbia has paused indexing of its brackets and credits for 2027 to 2030. These are not included here because they apply from 2027.
Is this an official CRA calculator?
No. This is an estimate, not official tax advice. It uses the CRA 2026 payroll formulas (T4127) and Revenu Quebec 2026 rates in a simplified way. For withholding, use the CRA Payroll Deductions Online Calculator (PDOC) or Revenu Quebec WinRAS, or ask a tax professional.