Canada Paycheck calculator
Gross-to-net take-home pay for any pay frequency.
Your pay
Tax year: 2026 · Source: CRA (canada.ca)
| Gross income | $80,000.00 |
| Federal income tax | −$10,292.73 |
| CPP contributions (5.95%) | −$4,230.45 |
| CPP2 (4%) | −$216.00 |
| EI premiums (1.63%) | −$1,123.07 |
| Net take-home | $64,137.76 |
| Effective tax rate | 19.8% |
- · Federal tax only — provincial tax not yet included (planned).
- · Basic personal amount credit applied: $16,452 × 14%.
- · EI rate shown is outside Quebec; Quebec residents pay a lower EI rate plus QPIP.
Understanding your inputs
- Gross annual salary
- Your yearly salary before tax, converted down to each pay period.
- Pay frequency
- How often you're paid — weekly, bi-weekly, semi-monthly, or monthly — which sets the per-cheque figures.
Understanding your results
- Net per period
- Your take-home pay for each cheque after tax and deductions.
- Gross per period
- Your pre-tax pay for each cheque at the chosen frequency.
- Tax per period
- What's withheld each cheque for tax and contributions.
Common scenarios
Jump straight to a pre-calculated answer for a typical scenario.
How your Canadian paycheque is calculated
Take-home is gross pay minus federal and provincial income tax, CPP, EI, and any pre-tax deductions:
Net pay = Gross − federal tax − provincial tax − CPP − EI − RRSP/pension
Worked example ($70,000/yr, bi-weekly, before provincial tax)
- Gross per period: $70,000 ÷ 26 = $2,692
- Federal income tax (after Basic Personal Amount): ~$317/period
- CPP (5.95% to $74,600 pensionable): ~$152/period
- EI (1.63% to $68,900): ~$44/period
- Net ≈ $2,179 before provincial tax and benefits
CPP, CPP2 and EI
CPP is 5.95% on earnings between $3,500 and $74,600 for 2026. A second tier, CPP2, adds 4% on earnings from $74,600 to $85,000. EI is 1.63% up to $68,900 of insurable earnings. Both stop once you hit the annual maximum, so paycheques late in the year are slightly larger.
RRSP and group plans
Employer-matched RRSP and registered pension contributions are deducted pre-tax, cutting taxable income at your marginal rate. Unlike a TFSA (funded with after-tax dollars), RRSP contributions give immediate relief and are taxed on withdrawal in retirement.
Common mistakes
- Forgetting provincial tax. It's withheld alongside federal and varies widely by province.
- Assuming CPP/EI run all year. They cap out, changing late-year net pay.
- Skipping employer RRSP match. It's free money left behind.
What this doesn't cover
- Provincial income tax detail (Quebec uses QPP and a separate return)
- Group benefit premiums and taxable benefits
- Garnishments and support payments
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Key terms
Frequently asked questions
How is take-home pay calculated?
What's deducted from my paycheck?
How does pay frequency affect tax?
Why is my first paycheck taxed differently?
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