Salary Tax Calculator
Take-home pay per paycheque after income tax, CPP and EI, for every province except Quebec, using the 2026 rules.
Want this number lower?
The Lower My Tax report takes these numbers, tests every legal way to cut the bill, and shows the saving of each in dollars, with what to do and by when.
The short version
- Enter your yearly salary, your province and how often you're paid. The calculator shows take-home pay per paycheque and for the year, after income tax, CPP and EI.
- It uses the 2026 federal and provincial rules for every province and territory except Quebec.
- Example, Ontario: a $72,000 salary paid every two weeks is about $2,119 per pay after deductions, roughly $55,100 for the year.
- Your marginal rate (tax on the next $100) is usually much higher than your average rate. That's why a raise or a bonus seems to lose more to tax than your regular pay.
- CPP stops for the year once you reach the maximum, and EI too, so later paycheques in the year are a little bigger.
Salary Tax Calculator for Canada
Every new job offer comes with the same question: what does that number actually put in my bank account? The answer is always less than you hoped and more than your brother-in-law said. The calculator above does the arithmetic: income tax, CPP and EI on your salary, split by pay period, with the math shown underneath.
What Comes Off Each Paycheque
| Deduction | What it is | 2026 |
|---|---|---|
| Federal and provincial income tax | Withheld using CRA's formulas, based on your TD1 forms | Depends on salary and province |
| CPP | 5.95% of earnings between $3,500 and the first earnings ceiling | Stops at the yearly maximum |
| CPP2 | 4% of earnings between the first and second ceilings | Only on higher salaries |
| EI | A percentage of insurable earnings up to a yearly maximum | Stops at the yearly maximum |
| Other | Union dues, pension plan, group RRSP, benefits | Not included in the calculator |
The details of CPP and EI are on the T4 slip page; the brackets are on tax brackets.
Ontario Examples, Paid Every Two Weeks
| Salary | Take-home per pay | Income tax per pay | CPP per pay | EI per pay | Take-home for the year |
|---|---|---|---|---|---|
| $50,000 | about $1,544 | about $241 | about $106 | about $31 | about $40,145 |
| $72,000 | about $2,119 | about $450 | about $157 | about $43 | about $55,099 |
| $100,000 | about $2,854 | about $770 | about $179 | about $43 | about $74,206 |
These are the yearly amounts divided evenly. Real pay stubs show a bit more CPP and EI early in the year and none once the maximums are reached.
Is your paycheque right?
Tell the assistant your salary, pay frequency, province and what your pay stub shows. It checks whether the tax, CPP and EI look right and why they might differ.
Why the Numbers Differ From Your Pay Stub
Each line on a pay stub is explained on paycheque deductions; CPP and EI on CPP and EI deductions; bonuses on bonus tax.
- TD1 forms: if you claimed extra credits, or asked for extra tax to be withheld, the income tax line changes.
- Two jobs: each employer withholds as if it's your only job, so you often owe in April; see why do I owe tax?
- Benefits and pension: taxable benefits increase the tax; pension contributions and union dues reduce it.
- Bonuses: withheld at a higher rate on the pay they arrive in. It evens out when you file.
- Maximums: CPP and EI stop once you hit the yearly maximum.
Marginal vs Average Rate
Your average rate is total income tax divided by salary: about 16% at $72,000 in Ontario. Your marginal rate is the tax on the next dollar: about 29.65% at the same salary. A raise is taxed at the marginal rate, never the whole salary; moving into a higher bracket only affects the dollars above the line. More on marginal tax rates. An RRSP contribution saves tax at your marginal rate; try the RRSP calculator.
Self-employed? Use the self-employed tax calculator. Paying yourself from a corporation? See salary vs dividends. Checking last year's refund? Use the tax refund estimator.
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How much tax comes off a $72,000 salary in Ontario?
For 2026, about $11,700 of income tax, $4,075 of CPP and $1,123 of EI, leaving about $55,100 a year, or about $2,119 every two weeks.
How do I calculate my take-home pay in Canada?
Subtract federal and provincial income tax, CPP and EI from your gross pay. The calculator does this for any province except Quebec and splits it by pay period.
Why is my first paycheque of the year smaller?
CPP and EI start again in January. Once you reach the yearly maximums, those deductions stop and your pay goes up a little.
Is my bonus taxed more than my salary?
Bonuses are often withheld at a higher rate, but the actual tax is the same as on any other income at your marginal rate. Any over-withholding comes back when you file.
Does the calculator include Quebec?
No. Quebec has its own income tax, QPP and QPIP and is not covered.
Sources: CRA, T4127 Payroll Deductions Formulas (January 2026); Tax rates and brackets. Checked October 2026. Examples come from our 2026 rules engine with basic credits only; per-pay figures are yearly figures divided by the number of pays.
Last reviewed October 5, 2026 against CRA and Government of Canada sources. How we check our facts.