/
Estimate take-home pay after tax, CPP, and EI deductions
Direct answer
Use this paycheck calculator to estimate take-home pay from salary or hourly income by country and province or state. For Canada, it models federal/provincial tax and payroll contributions for planning; it is not CRA PDOC, employer payroll, tax filing advice or a guarantee of your paystub.
Direct answer: Canadian take-home pay is gross pay minus estimated federal income tax, provincial or territorial tax, CPP or QPP, CPP2 or QPP2, EI or Quebec EI, QPIP in Quebec, and selected deductions such as RRSP contributions.
Use it to compare job offers, salary increases, provinces and pay periods. For official employer withholding, use CRA PDOC, Revenu Quebec WebRAS or your employer's payroll system.
Methodology: the calculator applies 2026 progressive federal and provincial brackets, basic personal amount credits, CPP/CPP2 and EI caps outside Quebec, QPP/QPIP and Quebec EI treatment in Quebec, plus Ontario surtax and Ontario Health Premium where applicable.
Limitations: payroll tables, TD1 claim codes, taxable benefits, pension deductions, union dues, commissions, bonuses, employer rounding, provincial reductions and personal credits can move an actual paystub away from the annual estimate.
Proven strategies to minimize your CRA tax bill and maximize take-home earnings.
Deduct up to 18% of earned income ($32,490 max for 2026) to reduce taxable income dollar-for-dollar at your highest marginal bracket.
Eligible first-time buyers can contribute up to $8,000/year ($40,000 lifetime) with tax-deductible contributions and 100% tax-free withdrawals.
Check that 4.00% CPP2 is only withheld on earnings between the YMPE ($71,300) and YAMPE ($81,200), capping at $396/year.
Have your employer sign Form T2200 to deduct home office square footage, utilities, cell phone, and employment-related supplies.
Every dollar contributed to an RRSP lowers Adjusted Family Net Income (AFNI), increasing monthly tax-free CCB child support payments.
This is a simplified annual planning estimate and excludes employer-specific payroll settings, benefits, pensions, bonuses and personal credits not in the model.
Net pay at common salaries, 2026 bracket tables and how each province compares.
Calculations, interest rates, and tax threshold benchmarks displayed across UseCOS tools are updated as of August 2026 based on official publications from the Bank of Canada, Canada Revenue Agency (CRA), OSFI, and provincial regulatory bodies.
UseCOS provides transparent educational estimates and math comparisons for personal planning. Tools do not guarantee lender approval, tax compliance, or specific mortgage terms.
For binding mortgage rate commitments, loan contracts, or official tax filings, please consult a licensed Canadian mortgage broker, CPA, or official lender representative.
Was this tool helpful?