TheFreeTool

Canada Take-Home Pay Calculator

Type your pay, pick your province or territory and see what you keep each year, month, paycheque or hour. Built on the 2026 CRA rules, including Quebec.

$

Not included

Provincial credits beyond the basic personal amount, age and disability amounts, tuition credits, union dues, benefits and bonuses timing, other income, and Manitoba or Yukon basic amount phase-outs for high incomes.

Where the numbers come from

Tax year: 2026 · Rates last checked:

Good to know

This is an estimate for general information. It is not tax, legal or financial advice. Your payslip can differ because of tax codes, credits, local taxes, benefits and your employer's rules. Check official guidance or ask a qualified adviser.

What it does

  • All 10 provinces and 3 territories, with Quebec's own pension and parental plans
  • Federal and provincial tax, CPP or QPP, and EI on separate lines
  • RRSP or pension contributions that lower your tax
  • Salary or hourly pay, shown per year, month, two weeks, week, day or hour
  • Ontario's surtax and Health Premium and the BC tax reduction are included

How to use it

  1. Choose salary or hourly and type your pay.
  2. Pick your province or territory.
  3. Add any RRSP or workplace pension contributions for the year.
  4. Read your take-home pay and change the period to match your paycheque.

How is take-home pay worked out in Canada?

Income tax is charged twice: once by the federal government and once by your province or territory, each with its own brackets. Both give you a basic personal amount that is tax-free. On top of that, workers pay into the Canada Pension Plan (5.95%, or the Quebec Pension Plan at 6.3%) and Employment Insurance (1.63%, or 1.3% in Quebec plus a Quebec parental insurance premium).

RRSP contributions reduce your taxable income, so they lower both federal and provincial tax. Ontario adds a surtax and a health premium for higher earners, and Quebec residents get a federal abatement because Quebec runs its own programs.

Example

Someone in Ontario earning 70,000 pays about 11,130 in federal and provincial income tax (Ontario's health premium included), about 3,960 into CPP and 1,120 into EI. They keep roughly 53,790 a year, or about 4,480 a month.

Questions people ask

Is Quebec included?
Yes. Quebec uses its own tax brackets, the Quebec Pension Plan, a lower EI rate and the Quebec Parental Insurance Plan, and gets the federal abatement.
Why is my result different from my paycheque?
Paycheques depend on your TD1 forms, benefits, bonuses and pay timing. This tool works on the whole year, so treat it as a close estimate.
Does an RRSP contribution lower my take-home pay?
It lowers it by less than the amount you contribute, because your tax falls too. Enter a yearly amount and watch the tax lines change.
Which year does it use?
The 2026 tax year, using CRA tax rates, CPP and EI limits, and Revenu Québec parameters. We check them every January.
Does it include the Ontario Health Premium?
Yes. It is added to Ontario's provincial line along with the Ontario surtax.

Disclaimer

This tool is for general information only. It is not financial, tax, investment or legal advice, and results are estimates that may differ from your bank, lender or tax authority. Rates, limits and tax rules change. Bank and brand names are used only to describe what the tool does; they belong to their owners and we are not affiliated with them. Check the figures with a qualified professional or your provider before you decide. You use this tool at your own risk, and TheFreeTool is not liable for any loss that follows. Read the full disclaimer

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