Canada Take-Home Pay Calculator (Tax Year 2026)

Year-end liability

The figure is the year-end income tax, CPP, CPP2 and EI on one employment salary paid evenly through the year. The person claims only the basic personal amount on the federal and provincial credit forms.

The 1% CPP first additional contribution and CPP2 are deducted from income. Base CPP and EI are non-refundable credits at the lowest federal rate (14%) and the lowest provincial rate.

Ontario tax includes the surtax, the Ontario Health Premium and the basic tax reduction with no dependant amount. British Columbia uses a lowest rate of 5.60% and the BC tax reduction. Alberta includes the supplemental credit, which is CA$0 when only the basic personal amount is claimed.

Monthly take-home is the annual figure divided by 12. Biweekly take-home is the annual figure divided by 26.

Formula

Disclosed simplifications

• Quebec is not included in this version. Quebec uses the Quebec Pension Plan, Quebec Parental Insurance Plan and Revenu Québec provincial tax.
• Other provinces and territories are not included in this version.
• RRSP and workplace pension contributions are not deducted in this version, so taxable income may be higher than on your return.
• The estimate assumes one earner claiming only the basic personal amount. Spouse, dependant, age, disability and tuition amounts are not included.
• Only employment income from one job is included. Dividends, capital gains, self-employment and taxable benefits are not.
• This is a year-end estimate. Your payslip uses per-period formulas and may differ by a few dollars.
• Educational estimate only — not tax advice. Confirm figures with the Canada Revenue Agency or a qualified adviser.
• British Columbia's lowest tax rate for 2026 is 5.60% (Budget 2026). Some CRA payroll tables may still show 5.06% until mid-year withholding updates.