# Take Home Pay Calculator Canada

Source page: https://valem.run/calculators/canada/net-salary

Your Canadian take-home is gross minus federal tax (less the basic personal amount), provincial tax, and CPP and EI.

**Tax year:** 2026

## How it 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

With Gross annual salary of 70,000 CAD, this model computes Net / month of 4,230.16 CAD.

## Inputs

| Name | Label | Type |
| --- | --- | --- |
| `grossAnnual` | Gross annual salary | number |
| `province` | Province | string |
| `customProvincialRate` | Provincial rate if "Other" | number |

## Sources

- [CRA — tax rates](https://www.canada.ca/en/revenue-agency.html) (checked 2026-08-02)

## What this page claims

The Valem engine reproduces this model's formula through 3 self-test cases. That shows internal consistency, not that the formula matches current law; the cited sources are the evidence for that. Estimate, not tax advice.

## For agents

- Model manifest (formula, constants, test vectors): https://valem.run/calculators/canada/net-salary.json
- Compute by URL: https://valem.run/calculators/canada/net-salary.json?grossAnnual=70000
- MCP: https://valem.run/mcp/calculators (call `calculate` with calculator `canada/net-salary`)