Your estimated take-home pay
–per year
–per month
–every 2 weeks
–per week
Enter an amount to see your estimate.
| Per year | Per month | |
|---|---|---|
| Gross pay | – | – |
| Federal income tax | – | – |
| Provincial income tax | – | – |
| Canada Pension Plan (CPP) | – | – |
| Quebec Pension Plan (QPP) | – | – |
| Employment Insurance (EI) | – | – |
| Quebec Parental Insurance Plan (QPIP) | – | – |
| Take-home pay | – | – |
Estimate for 2026 using only the basic credits every employee gets. Your real pay can differ by a few percent. The calculation runs in your browser; nothing you type is sent or saved.
How it works
- Your employer takes income tax, pension contributions (CPP, or QPP in Quebec) and Employment Insurance (EI) from every paycheque.
- Income tax has two parts, federal and provincial. Both go up in steps as you earn more.
- The calculator uses 2026 tax rates and the basic personal amount, which means the first part of your income is not taxed.
- In Quebec, you also pay Quebec Parental Insurance Plan premiums, and your federal tax is reduced by 16.5%.
What this estimate leaves out
- Other tax credits, such as tuition, medical expenses or child care
- RRSP or FHSA contributions, union dues and workplace benefits, which change your pay
- Benefits you may receive, such as the Canada Child Benefit or the GST/HST credit
- Provinces and territories not listed here; use the CRA's official calculator for those
Tips for newcomers
- Fill in a TD1 form when you start a job so your employer takes the right amount of tax
- File a tax return every spring, even with low income; you may get money back and qualify for benefits
- If you started working part way through the year, your employer may have taken more tax than you owe, so you may get a refund
- Check your pay stub: it should show gross pay, each deduction and your net pay
Official sources
Reviewed November 2026. Rules change, so confirm details on official websites.