Canada Take-Home Pay Calculator 2026
Updated for the 2026 tax year
See your net salary after federal and provincial income tax, Canada Pension Plan (CPP and CPP2) and Employment Insurance, per year, month and pay period. Free, no sign-up. Nothing leaves your browser.
Pay breakdown
| Per year | Per month | Per paycheque |
|---|
2026 federal tax brackets
| Taxable income | Federal rate |
|---|---|
| Up to $58,523 | 14% |
| $58,524 – $117,045 | 20.5% |
| $117,046 – $181,440 | 26% |
| $181,441 – $258,482 | 29% |
| Over $258,482 | 33% |
How Canadian take-home pay is calculated
Federal and provincial tax are both charged on your taxable income (salary minus RRSP contributions and the enhanced part of your CPP). Each level of government then gives non-refundable credits, mainly the basic personal amount, which are worth the lowest tax rate times the credit amount. Payroll deductions for CPP (retirement pension) and EI (employment insurance) come off on top. What remains is your net pay.
Frequently asked questions
What are the federal tax brackets for 2026?
14% on the first $58,523 of taxable income, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482 and 33% above that. The lowest rate fell from 15% to 14% from July 2025.
How much are CPP and EI in 2026?
Employees pay 5.95% CPP on earnings between $3,500 and $74,600 (maximum $4,230.45), plus 4% CPP2 on earnings from $74,600 to $85,000 (maximum $416). EI premiums are 1.63% of insurable earnings up to $68,900 (maximum $1,123.07).
What is the basic personal amount for 2026?
The federal basic personal amount is $16,452, reduced gradually to $14,829 for incomes between $181,440 and $258,482. Each province sets its own amount, for example $12,989 in Ontario and $22,769 in Alberta.
Does an RRSP contribution increase take-home pay?
RRSP contributions are deducted from taxable income, so they cut your income tax. If your employer deducts them at source through a group RRSP, less tax is withheld from each paycheque.