Canada take-home pay calculator
Enter your salary, hourly wage or pay per cheque and choose your province to see your take-home pay after federal and provincial tax, CPP and EI.
| Biweekly | Monthly | Yearly | |
|---|---|---|---|
| Gross pay | $2,500.00 | $5,416.67 | $65,000.00 |
| Federal income tax | $242.58 | $525.58 | $6,306.98 |
| Ontario income tax | $131.46 | $284.84 | $3,418.05 |
| CPP contributions | $140.74 | $304.94 | $3,659.25 |
| EI premiums | $40.75 | $88.29 | $1,059.50 |
| Take-home pay | $1,944.47 | $4,213.02 | $50,556.22 |
Your next $100 of pay keeps $64.30 after tax and payroll deductions (35.7% combined marginal rate).
Take-home pay in Ontario at common salaries (2026)
| Salary | Income tax | CPP + EI | Take-home a year | Every two weeks |
|---|---|---|---|---|
| $40,000 | $4,363 | $2,824 | $32,814 | $1,262.06 |
| $50,000 | $6,273 | $3,582 | $40,145 | $1,544.04 |
| $60,000 | $8,320 | $4,340 | $47,340 | $1,820.78 |
| $75,000 | $12,704 | $5,370 | $56,926 | $2,189.47 |
| $90,000 | $17,033 | $5,770 | $67,197 | $2,584.52 |
| $100,000 | $20,024 | $5,770 | $74,207 | $2,854.10 |
| $125,000 | $29,059 | $5,770 | $90,172 | $3,468.15 |
| $150,000 | $39,911 | $5,770 | $104,319 | $4,012.28 |
How your pay is worked out
- CPP or QPP. 5.95% of pay between $3,500 and $74,600 (6.3% QPP in Quebec), then CPP2 or QPP2 at 4% on pay from $74,600 to $85,000. The enhanced part is deducted from taxable income; the base part earns a tax credit.
- EI premiums at 1.63% of pay up to $68,900, or 1.3% in Quebec, where you also pay QPIP at 0.43% up to $103,000.
- Federal tax at 14% to 33%, less credits at 14% for the basic personal amount ($16,452), the Canada employment amount ($1,501) and your CPP and EI.
- Provincial or territorial tax on its own brackets and credits. Ontario adds a surtax and the Ontario Health Premium; British Columbia and Ontario give a low-income tax reduction.
- Quebec residents get a 16.5% abatement on federal tax and file a separate Quebec return.
On $60,000 in Ontario you keep $47,340 a year, or $1,820.78 every two weeks. The same salary leaves $47,691 in Alberta, $47,755 in British Columbia and $45,328 in Quebec.
What changed for 2026
The lowest federal rate is 14% for the full year, after the cut that took effect on July 1, 2025. Federal brackets and the basic personal amount rose 2% with inflation. The CPP ceiling moved to $74,600 and the CPP2 ceiling to $85,000, while the EI rate eased to 1.63%. British Columbia raised its lowest rate to 5.6% and Prince Edward Island added a 20% bracket over $200,000.
Your actual pay stub can differ by a few dollars: payroll works per pay period, stops CPP and EI once you reach the yearly maximum, and uses the TD1 amounts you gave your employer.
Common questions
How much is $60,000 after tax in Ontario?
$47,340 a year in 2026, or $1,820.78 every two weeks. That is after $5,338 federal tax, $2,982 Ontario tax and $4,340 in CPP and EI.
Which province has the highest take-home pay?
At $60,000 it is Nunavut, with $48,773 a year, and the lowest is Nova Scotia, with $44,726. Alberta leaves $47,691 and Quebec $45,328.
Why is my January paycheque smaller than my December one?
CPP and EI restart every January. Once you pass $74,600 of pensionable pay and $68,900 of insurable pay, those deductions stop for the rest of the year, so later cheques are bigger.
Does the calculator include RRSP contributions?
No. Use the RRSP tax savings calculator to see what a deduction saves. Group RRSP contributions taken at source lower the tax on each cheque.
How many pay periods are there?
Every two weeks means 26 cheques a year, twice a month means 24, and weekly means 52. The yearly totals are the same; only the size of each cheque changes.
Sources
- CRA: T4127 Payroll Deductions Formulas, 123rd edition (July 2026)
- CRA: Tax rates and income brackets for 2026
- CRA: CPP contribution rates and maximums
- CRA: EI premium rates and maximums
- Revenu Québec: Principal changes for 2026
Checked September 28, 2026. OneCalcs is independent and not affiliated with the Canada Revenue Agency, Revenu Québec or any provincial government.