See your real take-home pay after tax, CPP, and EI deductions
Canada + USA · 2025/2026 brackets · Instant
Methodology: CRA tax brackets · CPP/EI contribution rates · IRS withholding tables
A paycheck calculator shows your real take-home pay after federal tax, provincial tax, CPP, and EI deductions — so you know exactly what hits your bank account each pay period.
Calculate your real take-home pay in seconds. Our paycheck calculator applies federal and provincial tax brackets, CPP contributions, and EI premiums so you know exactly what hits your bank account — before payday.
Works for all Canadian provinces and US states with 2025/2026 tax rates.
Compare GST/HST rates by province to see sales tax across Canada, or use our GST calculator to estimate tax on purchases. Planning a home? Try the mortgage calculator to budget your monthly payment. Enter your annual salary, select your province or state, and choose your pay period. No signup, no data stored — just instant, private results.
On an $80,000 salary in Ontario, you will take home approximately $60,000−$62,000 after tax, CPP, and EI deductions.
On an $80,000 salary in Ontario, you would pay approximately $18,000-$20,000 in total tax (federal + provincial + CPP/EI), leaving a take-home pay of roughly $60,000-$62,000. Your average tax rate would be around 23-25%, though your marginal rate is higher at 29.65%.
Take-home pay = gross income minus federal tax, provincial tax, CPP (5.95%), and EI premiums (1.66%).
Take-home pay = gross income minus federal tax, provincial tax, CPP contributions (5.95% up to $68,500), and EI premiums (1.66% up to $63,200). Canada uses progressive tax brackets — higher earnings are taxed at higher marginal rates, but only on the portion above each threshold.
CPP rate is 5.95% (max $3,868) and EI rate is 1.66% (max $1,049) for 2026.
CPP contribution rate is 5.95% on earnings between $3,500 and $68,500 (max contribution ~$3,868). CPP2 enhancement adds 4% on earnings $68,500-$73,200. EI rate is 1.66% on earnings up to $63,200 (max ~$1,049). Quebec has QPP instead of CPP at similar rates.
Alberta has the lowest provincial income tax with a flat 10% rate on the first $148,000 of taxable income.
Alberta has the lowest provincial income tax with a flat 10% on the first ~$148K. BC and Ontario have higher rates. However, total tax burden also depends on sales tax (AB has no PST, just 5% GST) and cost of living. Use our calculator to compare provinces.
Contribute to an RRSP to reduce taxable income; use TFSAs for tax-free growth; claim eligible deductions like childcare and home office expenses.
RRSP contributions reduce taxable income dollar-for-dollar. TFSA contributions don't lower current tax but grow tax-free. Other strategies: claim eligible deductions (childcare, moving expenses, home office), maximize tax credits, and consider salary vs. dividends if self-employed.