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Canada Salary Calculator 2026: Take-Home Pay by Province
Enter your gross salary and province to see your take-home pay after federal tax, provincial tax and CPP and EI (or QPP and QPIP in Quebec), per year, month or paycheque.
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- No sign-up
- Runs in your browser
- Data as of 2026 tax year
This tool gives a good-faith estimate using standard federal/provincial tax brackets, basic personal amounts, CPP/EI (or QPP/QPIP for Quebec), and Ontario’s surtax and Manitoba’s basic personal amount clawback. It does not account for every provincial credit, RRSP contributions, or other deductions, and is not tax advice.
Key facts
- Your pay is reduced by federal tax, provincial or territorial tax, CPP and EI (QPP and QPIP in Quebec).
- Both taxes are marginal: a higher rate applies only to the dollars in each bracket.
- Most workers lose roughly 22% to 35% of gross pay to these deductions, depending on income and province.
- The lowest federal rate is 14% in 2026.
How is take-home pay calculated in Canada?
Take-home pay is your gross salary minus federal income tax, provincial or territorial income tax, and payroll contributions to CPP and EI. In Quebec, QPP and QPIP replace CPP and part of EI.
| Deduction | What it is |
|---|---|
| Federal income tax | Progressive rates from 14% to 33% in 2026, the same in every province. |
| Provincial or territorial tax | Each province sets its own brackets; you pay the rate of the province you live in on December 31. |
| CPP or QPP | Pension contributions on earnings above the basic exemption, up to an annual maximum. |
| EI (and QPIP in Quebec) | Employment Insurance premiums, up to an annual maximum. |
See every rate on the tax brackets by province page and this year’s limits on EI and CPP maximums.
What is the take-home pay on a $60,000 salary?
In Ontario, a $60,000 salary leaves about $46,843 a year after tax, CPP and EI, or roughly $3,904 a month. Total deductions are about 21.9% of gross pay.
| Gross salary | $60,000 |
| Federal income tax | −$6,193 |
| Ontario income tax | −$2,625 |
| CPP contribution | −$3,362 |
| EI premium | −$978 |
| Take-home pay per year | $46,843 |
The same salary leaves a different amount in each province. Change the province in the calculator above to compare.
Which province has the lowest income tax?
Alberta generally has the lowest combined burden for most incomes, helped by its 8% starting rate and no provincial sales tax. Ontario, British Columbia and Quebec tend to have higher combined rates at upper incomes.
Quebec also runs its own pension (QPP) and parental insurance (QPIP), with a lower EI rate.
Why might my paycheque differ from this estimate?
Your employer’s payroll includes things this calculator does not: your TD1 credits, RRSP or pension deductions, benefits, bonuses and whether you have more than one job.
- Two jobs? Each employer withholds as if it were your only job. See how much tax is deducted from your salary.
- Payroll uses your pay period, so a bonus can be taxed at a higher rate when paid and settled when you file.
- Newcomers pay tax on world income only from the date they arrive: first-time tax filing.
This calculator gives an estimate using standard 2026 brackets, basic personal amounts and payroll rates. It does not include every credit or deduction and is not tax advice. For an exact payroll figure, use the CRA’s Payroll Deductions Online Calculator.
Questions
Salary calculator FAQ
How much tax do I pay on my salary in Canada?
You pay federal tax plus tax to your province or territory, both on a progressive bracket system, plus CPP and EI contributions. Combined, most workers lose roughly 22% to 35% of their gross salary, depending on income and province.
Which province has the lowest income tax in Canada?
Alberta generally has the most favourable combined burden for most incomes. Ontario, British Columbia and Quebec tend to have higher combined rates at upper incomes.
What is the difference between CPP and QPP?
CPP applies everywhere except Quebec, which runs its own Quebec Pension Plan. Quebec workers also pay into QPIP instead of the parental part of EI, and pay a lower EI rate.
Is this an official government calculator?
No. It applies standard 2026 rates for a close estimate. For an exact payroll figure, use the CRA’s Payroll Deductions Online Calculator.
