Canada take-home pay calculator
Your Canadian take-home is gross minus federal tax (less the basic personal amount), provincial tax, and CPP and EI.
Worked example: with Gross annual salary of 70,000 CAD, this model computes Net / month of 4,230.16 CAD. See the full breakdown.
✓ Verified against 3 self-test cases Updated for 2026 · sources checked 2026-08-02
How take-home pay in Canada is calculated
Canadian payroll charges federal tax on brackets from 14.5% to 33%, reduced by the basic personal amount, plus a provincial tax that differs by province (Ontario, Quebec, BC, Alberta).
CPP is 5.95% between the floor and ceiling, with an extra CPP2 above, and EI is 1.64% up to its ceiling. Pick your province from the dropdown; because this simplified model applies one flat provincial rate to a schedule that is really progressive, the options are representative rather than exact. Estimate, not tax advice.
Worked example
| Gross annual salary (CAD) | 70000 |
|---|---|
| Province | ON |
| Provincial rate | 0.0805 |
| Federal tax | 8568.8 |
| Provincial tax | 5635 |
| CPP ✓ | 3956.75 |
| EI ✓ | 1077.48 |
| Net / year | 50761.97 |
| Net / month | 4230.16 |
Every row is computed by the engine from the inputs above. Rows marked ✓ are additionally pinned by a published self-test vector.
Frequently asked questions
What are CPP and EI on 70,000 CAD?
CPP is about 3,957 and EI about 1,077, deducted alongside federal and provincial tax.
Does the province change my tax?
Yes — each province sets its own brackets, so Ontario, Quebec and Alberta differ noticeably.
What is CPP2?
A second, higher CPP contribution band on earnings above the first ceiling.
Sources
- CRA — tax rates · checked 2026-08-02
Estimate. Not tax advice. The verification badge means the model reproduces the stated formula through 3 self-test cases; the sources support that the formula matches the rules.
Check the arithmetic yourself: how this calculator is verified — the formula behind every derived value, the 3 test cases the engine reproduces, and what the badge does and does not claim. Also available as machine-readable JSON.
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United States take-home pay · United Kingdom take-home pay · Mexico sueldo neto · Norway lønn etter skatt · Argentina sueldo neto
Also for Canada: Canada registration · Canada self-employed (federal)
All Canada calculators · All calculators
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