Canada Salary After Tax Calculator (2026)
Estimate 2026 Canadian take-home pay in Ontario, B.C. or Alberta: federal and provincial income tax, CPP, CPP2 and EI, per year, month and paycheque.
Estimate your 2026 take-home pay in Ontario, British Columbia or Alberta. The calculator works out federal and provincial income tax with the 2026 brackets and basic personal amounts, Canada Pension Plan contributions including CPP2, Employment Insurance premiums, Ontario's surtax and Health Premium and the B.C. tax reduction, then shows what is left per year, month and biweekly paycheque.
How to use this tool
- Enter your annual employment income before deductions.
- Choose the province you live in on December 31, 2026.
- Add any RRSP contributions you will deduct for 2026.
Formula
Take-home = Income − CPP − EI − federal tax − provincial tax − RRSP
CPP is 5.95% of earnings between $3,500 and $74,600 plus 4% CPP2 up to $85,000; EI is 1.63% of earnings up to $68,900. The enhanced part of CPP (the 1% slice and CPP2) is deducted from income, while base CPP and EI earn tax credits. Federal tax runs from 14% to 33%, less 14% credits on the basic personal amount ($16,452), the Canada employment amount ($1,501), base CPP and EI. Provinces do the same with their own rates and amounts.
Example
In Ontario, $60,000 means CPP of $3,361.75 and EI of $978. Taxable income is $59,435 after deducting $565 of enhanced CPP. Federal tax is $8,380.18 − $3,041.89 of credits = $5,338.30. Ontario tax is $2,382.20 plus the $600 Health Premium = $2,982.20. Take-home pay is $47,339.75 a year, or $3,944.98 a month.
Frequently asked questions
Why is Quebec not included?
Quebec residents file a separate provincial return, pay QPP and QPIP instead of CPP and part of EI, and get a 16.5% federal abatement, so they need a separate calculation.
Did B.C. tax go up in 2026?
Yes. B.C. Budget 2026 raised the lowest provincial rate from 5.06% to 5.60% for the 2026 year and increased the B.C. tax reduction to $690. Employers applied a higher prorated rate from July 1, 2026 to catch up.
Does an RRSP contribution lower CPP and EI?
No. RRSP deductions reduce taxable income only; CPP and EI are always based on employment earnings.
What is left out?
Other credits such as tuition, medical, donations or dependants, the Canada Workers Benefit, union dues and taxable benefits. Your actual tax is settled when you file your T1 return.
Sources
This tool gives an estimate for general information only. It is not financial, tax, legal or medical advice — check with a qualified professional before you rely on the result.
Last updated: 2026