Canada Paycheck & Take-Home Pay Calculator
Estimate your net annual and monthly pay from a gross salary — federal and provincial tax, CPP and EI, by province. Also called a paycheck or salary calculator.
Estimates based on 2026 CRA brackets and rates, with an optional RRSP deduction. Ontario surtax, health premium and low-income reduction are included; other provincial credits and surtaxes are not. Not tax advice — CRA's payroll calculator is authoritative.
JYI Solutions · Free web tool · tax year 2026
Your estimated take-home (2026)
$4,115.13 CAD
per month · $49,381.50 CAD Net per year
- Federal tax
- $7,217.73 CAD
- Provincial tax · Ontario
- $3,082.02 CAD
- CPP
- $3,659.25 CAD
- EI
- $1,059.50 CAD
- Ontario Health Premium
- $600.00 CAD
- Taxable income
- $65,000.00 CAD
- Marginal rate
- 29.65%
- Effective rate
- 24.0%
Common questions
Is this a paycheck calculator?
Yes — take-home pay, net pay, paycheck and salary all mean the same number here: what lands in your account after federal and provincial tax, CPP and EI.
Which tax year does it use?
The 2026 CRA brackets and rates, including the federal basic personal amount phase-down.
Does it include RRSP?
Yes. Enter an annual pre-tax RRSP contribution to see taxable income, estimated tax saved and net cash. CPP and EI are not reduced, and contribution room or carry-forward is not checked.
Why is my actual paycheck different?
The estimate excludes pension adjustments, benefits deductions, other provinces’ low-income credits and surtaxes, and Ontario credits beyond the low-income reduction — real paycheques can differ. Use your employer payroll system or CRA PDOC for the authoritative number.
Does it work for Toronto and Ontario?
Yes. Choose Ontario; Toronto uses the same provincial tax and surtax rules as the rest of the province.
Does it work for Quebec?
Not yet — Quebec runs QPP, QPIP and its own abatement, which the tool does not model.
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