Canada take-home pay calculator
Canada take-home pay calculatorYour Canadian take-home is gross minus federal tax (less the basic personal amount), provincial tax, and CPP and EI.
Worked example · Net / month
You keep 72.5% of gross pay 27.5% goes to tax and contributions
With Gross annual salary of 70,000 CAD, this model computes Net / month of 4,230.16 CAD. See the full working.
✓ 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
ShowHide the full working: 2 inputs, 7 computed steps
| Inputs | |
|---|---|
| Gross annual salary | 70,000 CAD |
| Province | Ontario — 8.05% (blended, including the surtax) |
| Computed by the engine | |
| Provincial rate | 0.0805 |
| Federal tax | 8,568.80 CAD |
| Provincial tax | 5,635 CAD |
| CPP ✓ pinned | 3,956.75 CAD |
| EI ✓ pinned | 1,077.48 CAD |
| Net / year | 50,761.97 CAD |
| Net / month | 4,230.16 CAD |
Every computed row comes from the engine, run on the inputs above. Rows marked ✓ pinned are also fixed by a published self-test, so a change to the model that moved them would fail its own tests.
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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Also for Canada: Canada registration · Canada self-employed (federal) · Canada GST/HST
All Canada calculators · All calculators
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