Canada Take-Home Pay Calculator 2026
Net pay per paycheque, month and year for every province after federal and provincial tax, CPP/CPP2 and EI for 2026, with RRSP-at-source savings, hourly net rate and the employer's total cost.
| Gross annual salary | — |
|---|---|
| Federal tax | — |
| Provincial tax | — |
| CPP / QPP | — |
| EI | — |
| RRSP / pension and other deductions | — |
| Take-home: per pay / month / year | — |
| Hourly: gross / net | — |
| Deductions as % of gross | — |
| Employer cost (CPP + EI × 1.4) | — |
In short
A $75,000 salary in Canada takes home about $57,000 a year in Ontario or $56,200 in BC in 2026 — roughly $2,190 bi-weekly — after federal and provincial tax, CPP (5.95% to $74,600 plus CPP2 4% to $85,000) and EI (1.63% to $68,900); deductions total 24–27% of gross for most salaries and fall later in the year once CPP and EI max out.
Who this is for: Anyone comparing job offers, checking a paycheque or budgeting from gross salary in any province, and employers costing a hire.
What comes off a Canadian paycheque in 2026
Four deductions appear on every Canadian pay stub: federal income tax, provincial income tax, CPP (QPP in Quebec) and EI. The employer withholds tax on the annualised pay using CRA tables and your TD1 credits, so a $75,000 salary paid bi-weekly loses roughly 24–28% depending on the province — and the percentage drops later in the year once CPP and EI reach their maximums.
- CPP 2026: 5.95% of earnings between $3,500 and $74,600 (max $4,230.45) plus CPP2 of 4% between $74,600 and $85,000 (max $416); the employer matches. Quebec: QPP 6.40% + QPP2.
- EI 2026: 1.63% to $68,900 of insurable earnings (max $1,123.07); 1.30% in Quebec (max $895.70) because QPIP covers parental benefits. The employer pays 1.4 times your premium.
- RRSP at source: group RRSP or pension contributions reduce the tax withheld immediately at your marginal rate — a $5,000 contribution at 29.65% cuts withholding by about $1,480.
- Pay frequency: bi-weekly (26) is the most common; semi-monthly (24) pays slightly more per cheque. Net annual pay is identical.
- Bonuses and commissions are taxed through the same tables (the "bonus method"), so a large bonus can be over-withheld and refunded at filing.
See also: TFSA Contribution Room & Growth Calculator.
Assumptions
- Annual gross from the salary and period entered (hourly × hours × 52); RRSP at source and other pre-tax deductions reduce taxable income; CPP, CPP2 and EI as 2026 maxima spread evenly across pays.
- Tax = the income-tax engine above (federal + provincial, employment and CPP/EI credits); net = gross − tax − CPP − EI − RRSP − other.
- Employer cost = gross + CPP match + EI × 1.4; hourly figures use the hours per week entered (default 40).
Worked example
CPP 5.95% × ($74,600 − $3,500) = $4,230 + CPP2 4% × $400 = $16; EI $1,123. RRSP $3,750 → taxable income $70,523. Federal tax $7,490 and BC tax $3,289 after credits → income tax $10,779. Total deductions $19,898 (26.5%); take-home $55,102 a year = $2,119 bi-weekly, $4,592 a month, $26.49 an hour net on $36.06 gross. The RRSP saves about $1,057 of tax.
Frequently asked questions
What is the take-home pay on $75,000 in Ontario?
About $57,000 a year in 2026 — roughly $2,192 bi-weekly or $4,750 a month — after $12,630 of income tax and $5,370 of CPP and EI, before any RRSP or benefit deductions.
How much is $30 an hour after tax?
$30 × 40 hours × 52 weeks = $62,400 gross; take-home about $48,960 in Ontario or $49,420 in BC — roughly $1,880–1,900 bi-weekly.
Why is my first paycheque of the year smaller?
CPP and EI are deducted from the first dollar until the annual maximums ($4,646 CPP incl. CPP2 and $1,123 EI) are reached — usually by autumn on a higher salary — after which net pay rises.
Does the employer pay CPP and EI too?
Yes — the employer matches your CPP and CPP2 and pays 1.4 times your EI premium, so a $75,000 employee costs about $81,000 before benefits.
How do RRSP contributions at source work?
Contributions through payroll reduce the income on which tax is withheld, so the saving arrives in every paycheque instead of as a refund in April; a 5% contribution on $75,000 adds about $40 to each bi-weekly cheque relative to the gross reduction.
Is take-home different in Quebec?
Yes — Quebec has higher provincial rates (14% to 25.75%) but a 16.5% federal abatement, QPP instead of CPP, a lower EI rate and QPIP premiums; net pay on the same salary is typically 3–5% lower than in Ontario.
Why is more tax taken from my bonus?
Employers withhold on a bonus as if you earned it every pay period (the bonus method), which often over-withholds; the excess comes back as a refund when you file.
What is the difference between gross and net pay in Canada?
Gross is the salary in your contract; net (take-home) is what reaches your account after income tax, CPP, EI and any pension, union or benefit deductions — typically 72–78% of gross.
People also ask
What is the take-home pay on $70,000 in Ontario?
About $53,900 a year — roughly $4,490 a month — after federal and Ontario tax, CPP and EI for 2026.
How much CPP and EI is deducted?
CPP 5.95% on earnings between $3,500 and the YMPE plus 4% CPP2 to the YAMPE; EI 1.64% of insurable earnings up to the maximum (lower in Quebec, which has QPIP).
Why is my paycheque smaller in January?
CPP and EI restart each year; once you reach the annual maximums (usually mid-year for higher earners) net pay rises.
Is the basic personal amount applied on each paycheque?
Yes — payroll uses the TD1 claim to spread the $16,452 federal and provincial amounts across the year.
Do RRSP contributions through payroll reduce tax at source?
Yes if made through an employer plan or with CRA approval (T1213); otherwise the refund comes at filing.
How are bonuses taxed on a paycheque?
Withheld using the bonus method at your marginal rate; CPP and EI apply until the annual maximums.
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